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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 | $38,755 | $183,516-78.9% | $155,534-75.1% | $145,884-73.4% |
| Participation rate | 85.7% | 82.7%+3.0pp | 78.2%+7.5pp | 80.3%+5.4pp |
| Annual return | 87.70% | 61.43%+26.3pp | 64.92%+22.8pp | 551.85%-464.1pp |
| Employer contribution / active EE | $1,010 | $5,315-81.0% | $4,675-78.4% | $4,662-78.3% |
| Participant deferral / active EE | $1,920 | $6,467-70.3% | $5,630-65.9% | $6,690-71.3% |
| Admin fee / account holder | $361 | $19,293-98.1% | $15,900-97.7% | $13,392-97.3% |