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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 | $160,533 | $176,077-8.8% | $159,455+0.7% | $167,518-4.2% |
| Participation rate | 80.0% | 84.9%-4.9pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 14.04% | 331.83%-317.8pp | 263.63%-249.6pp | 478.71%-464.7pp |
| Employer contribution / active EE | $853 | $5,298-83.9% | $4,830-82.3% | $4,838-82.4% |
| Participant deferral / active EE | $7,218 | $7,751-6.9% | $7,353-1.8% | $6,342+13.8% |
| Admin fee / account holder | $1,290 | $12,556-89.7% | $10,800-88.1% | $12,312-89.5% |