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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 | $35,682 | $209,422-83.0% | $178,503-80.0% | $158,982-77.6% |
| Participation rate | 95.5% | 86.4%+9.1pp | 81.9%+13.5pp | 82.0%+13.5pp |
| Annual return | 13.11% | 188.81%-175.7pp | 151.12%-138.0pp | 302.99%-289.9pp |
| Employer contribution / active EE | $1,141 | $5,707-80.0% | $5,011-77.2% | $4,763-76.0% |
| Participant deferral / active EE | $3,578 | $5,955-39.9% | $5,202-31.2% | $5,983-40.2% |
| Admin fee / account holder | $3,349 | $17,079-80.4% | $13,987-76.1% | $11,252-70.2% |