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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 | $196,175 | $209,425-6.3% | $178,499+9.9% | $158,966+23.4% |
| Participation rate | 90.0% | 86.4%+3.6pp | 81.9%+8.1pp | 82.0%+8.0pp |
| Annual return | 16.23% | 188.80%-172.6pp | 151.10%-134.9pp | 302.95%-286.7pp |
| Employer contribution / active EE | $1,152 | $5,707-79.8% | $5,011-77.0% | $4,762-75.8% |
| Participant deferral / active EE | $3,344 | $5,955-43.9% | $5,202-35.7% | $5,983-44.1% |
| Admin fee / account holder | $1,846 | $17,078-89.2% | $13,986-86.8% | $11,250-83.6% |