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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 | $52,016 | $108,897-52.2% | $100,378-48.2% | $145,877-64.3% |
| Participation rate | 95.0% | 83.0%+12.0pp | 81.5%+13.5pp | 80.3%+14.7pp |
| Annual return | 20.17% | 58.17%-38.0pp | 49.41%-29.2pp | 551.28%-531.1pp |
| Employer contribution / active EE | $0 | $4,420-100.0% | $3,942-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $14,681 | $8,455+73.6% | $8,087+81.5% | $6,691+119.4% |
| Admin fee / account holder | $5,518 | $9,690-43.1% | $7,899-30.1% | $13,402-58.8% |