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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 | $191,242 | $156,398+22.3% | $147,318+29.8% | $138,895+37.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 16.27% | 78.75%-62.5pp | 70.43%-54.2pp | 145.39%-129.1pp |
| Employer contribution / active EE | $116 | $4,853-97.6% | $4,593-97.5% | $4,194-97.2% |
| Participant deferral / active EE | $15,906 | $8,237+93.1% | $7,906+101.2% | $6,396+148.7% |
| Admin fee / account holder | $25,342 | $14,976+69.2% | $13,708+84.9% | $12,562+101.7% |