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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 | $38,456 | $174,379-77.9% | $152,093-74.7% | $138,895-72.3% |
| Participation rate | 94.7% | 81.6%+13.1pp | 77.8%+17.0pp | 79.9%+14.8pp |
| Annual return | 16.14% | 74.86%-58.7pp | 66.36%-50.2pp | 145.39%-129.3pp |
| Employer contribution / active EE | $300 | $4,652-93.6% | $4,175-92.8% | $4,194-92.8% |
| Participant deferral / active EE | $3,693 | $6,159-40.0% | $5,451-32.3% | $6,396-42.3% |
| Admin fee / account holder | $4,085 | $16,880-75.8% | $14,497-71.8% | $12,562-67.5% |