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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 | $35,163 | $180,466-80.5% | $154,114-77.2% | $135,382-74.0% |
| Participation rate | 91.7% | 87.4%+4.2pp | 83.0%+8.6pp | 82.6%+9.0pp |
| Annual return | 1.98% | 888.15%-886.2pp | 735.16%-733.2pp | 519.77%-517.8pp |
| Employer contribution / active EE | $1,147 | $6,035-81.0% | $5,298-78.4% | $4,779-76.0% |
| Participant deferral / active EE | $2,722 | $5,806-53.1% | $5,081-46.4% | $5,609-51.5% |
| Admin fee / account holder | $451 | $16,144-97.2% | $13,411-96.6% | $10,829-95.8% |