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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,712 | $209,428-54.3% | $178,498-46.4% | $158,950-39.8% |
| Participation rate | 72.7% | 86.4%-13.6pp | 81.9%-9.2pp | 82.0%-9.2pp |
| Annual return | 17.08% | 188.78%-171.7pp | 151.09%-134.0pp | 302.91%-285.8pp |
| Employer contribution / active EE | $978 | $5,707-82.9% | $5,011-80.5% | $4,762-79.5% |
| Participant deferral / active EE | $2,384 | $5,955-60.0% | $5,202-54.2% | $5,983-60.2% |
| Admin fee / account holder | $990 | $17,077-94.2% | $13,985-92.9% | $11,248-91.2% |