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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 | $122,181 | $209,425-41.7% | $178,499-31.6% | $158,966-23.1% |
| Participation rate | 90.9% | 86.4%+4.6pp | 81.9%+9.0pp | 82.0%+8.9pp |
| Annual return | 15.33% | 188.80%-173.5pp | 151.10%-135.8pp | 302.95%-287.6pp |
| Employer contribution / active EE | $838 | $5,707-85.3% | $5,011-83.3% | $4,762-82.4% |
| Participant deferral / active EE | $3,414 | $5,955-42.7% | $5,202-34.4% | $5,983-42.9% |
| Admin fee / account holder | $495 | $17,078-97.1% | $13,986-96.5% | $11,250-95.6% |