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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 | $47,728 | $175,231-72.8% | $149,696-68.1% | $139,466-65.8% |
| Participation rate | 75.0% | 83.4%-8.4pp | 78.8%-3.8pp | 80.3%-5.3pp |
| Annual return | 16.67% | 166.77%-150.1pp | 134.46%-117.8pp | 373.66%-357.0pp |
| Employer contribution / active EE | $703 | $5,478-87.2% | $4,821-85.4% | $4,754-85.2% |
| Participant deferral / active EE | $2,818 | $6,521-56.8% | $5,682-50.4% | $6,712-58.0% |
| Admin fee / account holder | $441 | $16,155-97.3% | $13,212-96.7% | $11,409-96.1% |