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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 | $89,790 | $176,077-49.0% | $159,455-43.7% | $167,518-46.4% |
| Participation rate | 85.7% | 84.9%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 12.77% | 331.83%-319.1pp | 263.63%-250.9pp | 478.71%-465.9pp |
| Employer contribution / active EE | $611 | $5,298-88.5% | $4,830-87.3% | $4,838-87.4% |
| Participant deferral / active EE | $7,081 | $7,751-8.6% | $7,353-3.7% | $6,342+11.7% |
| Admin fee / account holder | $311 | $12,556-97.5% | $10,800-97.1% | $12,312-97.5% |