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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 | $65,365 | $165,381-60.5% | $149,730-56.3% | $158,966-58.9% |
| Participation rate | 90.5% | 84.6%+5.9pp | 82.5%+8.0pp | 82.0%+8.5pp |
| Annual return | 41.57% | 348.29%-306.7pp | 276.70%-235.1pp | 302.95%-261.4pp |
| Employer contribution / active EE | $530 | $5,104-89.6% | $4,645-88.6% | $4,762-88.9% |
| Participant deferral / active EE | $6,585 | $7,182-8.3% | $6,843-3.8% | $5,983+10.1% |
| Admin fee / account holder | $5,168 | $10,809-52.2% | $9,310-44.5% | $11,250-54.1% |