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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 | $45,392 | $209,422-78.3% | $178,503-74.6% | $158,982-71.4% |
| Participation rate | 87.5% | 86.4%+1.1pp | 81.9%+5.6pp | 82.0%+5.5pp |
| Annual return | 9.42% | 188.81%-179.4pp | 151.12%-141.7pp | 302.99%-293.6pp |
| Employer contribution / active EE | $469 | $5,707-91.8% | $5,011-90.6% | $4,763-90.2% |
| Participant deferral / active EE | $5,777 | $5,955-3.0% | $5,202+11.0% | $5,983-3.5% |
| Admin fee / account holder | $537 | $17,079-96.9% | $13,987-96.2% | $11,252-95.2% |