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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 | $36,058 | $209,422-82.8% | $178,503-79.8% | $158,982-77.3% |
| Participation rate | 88.2% | 86.4%+1.9pp | 81.9%+6.3pp | 82.0%+6.3pp |
| Annual return | 16.06% | 188.81%-172.7pp | 151.12%-135.1pp | 302.99%-286.9pp |
| Employer contribution / active EE | $941 | $5,707-83.5% | $5,011-81.2% | $4,763-80.2% |
| Participant deferral / active EE | $2,891 | $5,955-51.5% | $5,202-44.4% | $5,983-51.7% |
| Admin fee / account holder | $334 | $17,079-98.0% | $13,987-97.6% | $11,252-97.0% |