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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 | $43,196 | $166,242-74.0% | $165,071-73.8% | $145,884-70.4% |
| Participation rate | 91.7% | 82.0%+9.6pp | 78.6%+13.0pp | 80.3%+11.4pp |
| Annual return | 30.85% | 100.44%-69.6pp | 70.17%-39.3pp | 551.85%-521.0pp |
| Employer contribution / active EE | $286 | $5,283-94.6% | $4,347-93.4% | $4,662-93.9% |
| Participant deferral / active EE | $4,384 | $6,964-37.1% | $6,035-27.4% | $6,690-34.5% |
| Admin fee / account holder | $982 | $16,658-94.1% | $12,695-92.3% | $13,392-92.7% |