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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 | $178,139 | $159,934+11.4% | $147,005+21.2% | $145,959+22.0% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 11.41% | 98.24%-86.8pp | 418.76%-407.4pp | 561.95%-550.5pp |
| Employer contribution / active EE | $1,008 | $5,287-80.9% | $4,934-79.6% | $4,661-78.4% |
| Participant deferral / active EE | $10,992 | $8,427+30.4% | $8,070+36.2% | $6,689+64.3% |
| Admin fee / account holder | $4,143 | $15,053-72.5% | $13,006-68.1% | $13,398-69.1% |