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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 | $160,070+11.3% | $147,117+21.1% | $145,897+22.1% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 11.41% | 98.69%-87.3pp | 420.54%-409.1pp | 552.29%-540.9pp |
| Employer contribution / active EE | $1,008 | $5,285-80.9% | $4,932-79.6% | $4,663-78.4% |
| Participant deferral / active EE | $10,992 | $8,419+30.6% | $8,065+36.3% | $6,689+64.3% |
| Admin fee / account holder | $4,143 | $15,035-72.4% | $12,993-68.1% | $13,390-69.1% |