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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 | $186,033 | $154,228+20.6% | $145,433+27.9% | $137,256+35.5% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 20.68% | 74.59%-53.9pp | 66.58%-45.9pp | 220.34%-199.7pp |
| Employer contribution / active EE | $426 | $4,804-91.1% | $4,554-90.7% | $4,156-89.8% |
| Participant deferral / active EE | $18,877 | $8,216+129.7% | $7,897+139.0% | $6,407+194.6% |
| Admin fee / account holder | $1,667 | $14,344-88.4% | $13,129-87.3% | $12,270-86.4% |