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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 | $66,204 | $90,486-26.8% | $78,676-15.9% | $273,972-75.8% |
| Participation rate | 82.6% | 76.5%+6.1pp | 73.6%+9.0pp | 83.0%-0.4pp |
| Annual return | 236.72% | 75.62%+161.1pp | 62.19%+174.5pp | 41.46%+195.3pp |
| Employer contribution / active EE | $0 | $3,175-100.0% | $2,850-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $4,966 | $3,901+27.3% | $3,517+41.2% | $5,287-6.1% |
| Admin fee / account holder | $1,783 | $5,263-66.1% | $4,510-60.5% | $10,133-82.4% |