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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 | $38,346 | $178,174-78.5% | $156,181-75.4% | $137,256-72.1% |
| Participation rate | 85.7% | 82.0%+3.7pp | 78.8%+6.9pp | 80.0%+5.8pp |
| Annual return | 14.24% | 84.19%-70.0pp | 64.87%-50.6pp | 220.34%-206.1pp |
| Employer contribution / active EE | $0 | $4,972-100.0% | $4,294-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,119 | $6,888-69.2% | $6,132-65.4% | $6,407-66.9% |
| Admin fee / account holder | $857 | $17,404-95.1% | $14,586-94.1% | $12,270-93.0% |