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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 | $170,806 | $165,361+3.3% | $149,715+14.1% | $158,950+7.5% |
| Participation rate | 84.6% | 84.6%0pp | 82.5%+2.1pp | 82.0%+2.7pp |
| Annual return | 52.29% | 348.24%-295.9pp | 276.66%-224.4pp | 302.91%-250.6pp |
| Employer contribution / active EE | $0 | $5,103-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $3,767 | $7,182-47.5% | $6,842-44.9% | $5,983-37.0% |
| Admin fee / account holder | $48,394 | $10,808+347.8% | $9,310+419.8% | $11,248+330.2% |