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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 | $63,900 | $160,028-60.1% | $147,080-56.6% | $145,884-56.2% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 16.95% | 98.60%-81.6pp | 420.17%-403.2pp | 551.85%-534.9pp |
| Employer contribution / active EE | $529 | $5,286-90.0% | $4,933-89.3% | $4,662-88.7% |
| Participant deferral / active EE | $5,475 | $8,422-35.0% | $8,066-32.1% | $6,690-18.2% |
| Admin fee / account holder | $455 | $15,030-97.0% | $12,989-96.5% | $13,392-96.6% |