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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 | $53,112 | $175,231-69.7% | $149,696-64.5% | $139,466-61.9% |
| Participation rate | 90.9% | 83.4%+7.5pp | 78.8%+12.1pp | 80.3%+10.6pp |
| Annual return | 16.86% | 166.77%-149.9pp | 134.46%-117.6pp | 373.66%-356.8pp |
| Employer contribution / active EE | $118 | $5,478-97.8% | $4,821-97.5% | $4,754-97.5% |
| Participant deferral / active EE | $3,260 | $6,521-50.0% | $5,682-42.6% | $6,712-51.4% |
| Admin fee / account holder | $370 | $16,155-97.7% | $13,212-97.2% | $11,409-96.8% |