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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 | $73,945 | $148,623-50.2% | $135,974-45.6% | $139,466-47.0% |
| Participation rate | 77.8% | 83.9%-6.1pp | 81.9%-4.1pp | 80.3%-2.6pp |
| Annual return | 16.58% | 79.30%-62.7pp | 68.30%-51.7pp | 373.66%-357.1pp |
| Employer contribution / active EE | $517 | $5,246-90.1% | $4,859-89.4% | $4,754-89.1% |
| Participant deferral / active EE | $4,690 | $8,103-42.1% | $7,760-39.6% | $6,712-30.1% |
| Admin fee / account holder | $3,765 | $12,406-69.6% | $10,767-65.0% | $11,409-67.0% |