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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 | $36,063 | $209,428-82.8% | $178,498-79.8% | $158,950-77.3% |
| Participation rate | 70.6% | 86.4%-15.8pp | 81.9%-11.3pp | 82.0%-11.4pp |
| Annual return | 9.93% | 188.78%-178.9pp | 151.09%-141.2pp | 302.91%-293.0pp |
| Employer contribution / active EE | $956 | $5,707-83.2% | $5,011-80.9% | $4,762-79.9% |
| Participant deferral / active EE | $2,380 | $5,955-60.0% | $5,202-54.2% | $5,983-60.2% |
| Admin fee / account holder | $818 | $17,077-95.2% | $13,985-94.2% | $11,248-92.7% |