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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 | $220,301 | $110,379+99.6% | $102,412+115.1% | $145,884+51.0% |
| Participation rate | 93.3% | 77.9%+15.4pp | 74.5%+18.8pp | 80.3%+13.0pp |
| Annual return | 13.29% | 24.84%-11.6pp | 24.94%-11.7pp | 551.85%-538.6pp |
| Employer contribution / active EE | $854 | $4,216-79.8% | $3,870-77.9% | $4,662-81.7% |
| Participant deferral / active EE | $4,085 | $5,622-27.3% | $5,060-19.3% | $6,690-38.9% |
| Admin fee / account holder | $21,857 | $9,745+124.3% | $8,388+160.6% | $13,392+63.2% |