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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 | $84,534 | $176,105-52.0% | $159,474-47.0% | $167,536-49.5% |
| Participation rate | 85.7% | 85.0%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 12.54% | 331.91%-319.4pp | 263.68%-251.1pp | 478.82%-466.3pp |
| Employer contribution / active EE | $626 | $5,299-88.2% | $4,831-87.1% | $4,839-87.1% |
| Participant deferral / active EE | $7,181 | $7,751-7.4% | $7,353-2.3% | $6,342+13.2% |
| Admin fee / account holder | $483 | $12,559-96.2% | $10,802-95.5% | $12,315-96.1% |