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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 | $192,407 | $165,399+16.3% | $149,745+28.5% | $158,982+21.0% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 45.40% | 348.34%-302.9pp | 276.72%-231.3pp | 302.99%-257.6pp |
| Employer contribution / active EE | $0 | $5,105-100.0% | $4,646-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,115 | $7,183-56.6% | $6,843-54.5% | $5,983-47.9% |
| Admin fee / account holder | $2,094 | $10,811-80.6% | $9,312-77.5% | $11,252-81.4% |