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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 | $144,930 | $180,459-19.7% | $154,108-6.0% | $135,380+7.1% |
| Participation rate | 84.2% | 87.4%-3.2pp | 83.0%+1.2pp | 82.6%+1.6pp |
| Annual return | 39.50% | 888.21%-848.7pp | 735.21%-695.7pp | 519.81%-480.3pp |
| Employer contribution / active EE | $677 | $6,035-88.8% | $5,298-87.2% | $4,779-85.8% |
| Participant deferral / active EE | $3,661 | $5,806-36.9% | $5,081-27.9% | $5,609-34.7% |
| Admin fee / account holder | $2,784 | $16,145-82.8% | $13,411-79.2% | $10,828-74.3% |