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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 | $160,040+11.3% | $147,096+21.1% | $145,877+22.1% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 11.41% | 98.49%-87.1pp | 419.75%-408.3pp | 551.28%-539.9pp |
| Employer contribution / active EE | $1,008 | $5,289-80.9% | $4,936-79.6% | $4,663-78.4% |
| Participant deferral / active EE | $10,992 | $8,429+30.4% | $8,071+36.2% | $6,691+64.3% |
| Admin fee / account holder | $4,143 | $15,050-72.5% | $13,005-68.1% | $13,402-69.1% |