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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 | $55,864 | $144,124-61.2% | $117,857-52.6% | $147,585-62.1% |
| Participation rate | 83.3% | 83.4%-0.1pp | 79.7%+3.7pp | 82.8%+0.5pp |
| Annual return | 21.27% | 531.17%-509.9pp | 335.09%-313.8pp | 578.57%-557.3pp |
| Employer contribution / active EE | $0 | $4,897-100.0% | $3,786-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $2,494 | $5,316-53.1% | $4,482-44.3% | $5,439-54.1% |
| Admin fee / account holder | $513 | $10,886-95.3% | $8,020-93.6% | $10,885-95.3% |