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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 | $44,146 | $227,399-80.6% | $189,758-76.7% | $198,609-77.8% |
| Participation rate | 90.9% | 84.0%+6.9pp | 79.8%+11.1pp | 82.4%+8.5pp |
| Annual return | 19.62% | 61.03%-41.4pp | 52.62%-33.0pp | 202.70%-183.1pp |
| Employer contribution / active EE | $0 | $5,526-100.0% | $4,767-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $8,339 | $6,837+22.0% | $5,856+42.4% | $6,977+19.5% |
| Admin fee / account holder | $379 | $25,162-98.5% | $20,388-98.1% | $19,030-98.0% |