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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 | $189,004 | $180,459+4.7% | $154,108+22.6% | $135,380+39.6% |
| Participation rate | 78.6% | 87.4%-8.9pp | 83.0%-4.5pp | 82.6%-4.1pp |
| Annual return | 16.25% | 888.21%-872.0pp | 735.21%-719.0pp | 519.81%-503.6pp |
| Employer contribution / active EE | $0 | $6,035-100.0% | $5,298-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $5,841 | $5,806+0.6% | $5,081+15.0% | $5,609+4.1% |
| Admin fee / account holder | $549 | $16,145-96.6% | $13,411-95.9% | $10,828-94.9% |