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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 | $64,401 | $67,602-4.7% | $82,312-21.8% | $70,126-8.2% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 78.46% | 21.57%+56.9pp | 25.88%+52.6pp | 73.15%+5.3pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,818 | $2,987+94.8% | $3,706+57.0% | $3,332+74.6% |
| Admin fee / account holder | $6,896 | $4,512+52.8% | $5,608+23.0% | $4,645+48.4% |