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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 | $42,179 | $148,629-71.6% | $135,982-69.0% | $139,487-69.8% |
| Participation rate | 94.1% | 83.9%+10.3pp | 81.9%+12.2pp | 80.3%+13.8pp |
| Annual return | 23.31% | 79.33%-56.0pp | 68.32%-45.0pp | 373.84%-350.5pp |
| Employer contribution / active EE | -$16 | $5,247-100.3% | $4,859-100.3% | $4,755-100.3% |
| Participant deferral / active EE | $6,767 | $8,102-16.5% | $7,760-12.8% | $6,713+0.8% |
| Admin fee / account holder | $663 | $12,406-94.7% | $10,767-93.8% | $11,407-94.2% |