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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 | $22,336 | $176,077-87.3% | $159,455-86.0% | $167,518-86.7% |
| Participation rate | 81.8% | 84.9%-3.1pp | 82.8%-1.0pp | 82.1%-0.3pp |
| Annual return | 17.85% | 331.83%-314.0pp | 263.63%-245.8pp | 478.71%-460.9pp |
| Employer contribution / active EE | $653 | $5,298-87.7% | $4,830-86.5% | $4,838-86.5% |
| Participant deferral / active EE | $4,713 | $7,751-39.2% | $7,353-35.9% | $6,342-25.7% |
| Admin fee / account holder | $452 | $12,556-96.4% | $10,800-95.8% | $12,312-96.3% |