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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 | $88,481 | $125,184-29.3% | $105,607-16.2% | $145,884-39.3% |
| Participation rate | 90.9% | 77.6%+13.3pp | 75.3%+15.6pp | 80.3%+10.6pp |
| Annual return | 9.22% | 225.00%-215.8pp | 116.11%-106.9pp | 551.85%-542.6pp |
| Employer contribution / active EE | $696 | $3,720-81.3% | $3,167-78.0% | $4,662-85.1% |
| Participant deferral / active EE | $5,258 | $5,714-8.0% | $5,011+4.9% | $6,690-21.4% |
| Admin fee / account holder | $21,912 | $17,133+27.9% | $10,958+100.0% | $13,392+63.6% |