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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 | $111,450 | $175,259-36.4% | $149,723-25.6% | $139,487-20.1% |
| Participation rate | 88.9% | 83.4%+5.5pp | 78.8%+10.1pp | 80.3%+8.6pp |
| Annual return | 44.09% | 166.82%-122.7pp | 134.50%-90.4pp | 373.84%-329.8pp |
| Employer contribution / active EE | $1,050 | $5,478-80.8% | $4,821-78.2% | $4,755-77.9% |
| Participant deferral / active EE | $4,940 | $6,522-24.3% | $5,682-13.1% | $6,713-26.4% |
| Admin fee / account holder | $2,543 | $16,158-84.3% | $13,215-80.8% | $11,407-77.7% |