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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 | $73,159 | $107,368-31.9% | $92,915-21.3% | $152,909-52.2% |
| Participation rate | 75.0% | 79.8%-4.8pp | 76.0%-1.0pp | 82.5%-7.5pp |
| Annual return | 26.65% | 145.64%-119.0pp | 109.45%-82.8pp | 345.46%-318.8pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $6,099 | $4,848+25.8% | $4,238+43.9% | $5,851+4.2% |
| Admin fee / account holder | $1,020 | $7,082-85.6% | $5,796-82.4% | $11,601-91.2% |