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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 | $202,383 | $155,833+29.9% | $124,693+62.3% | $167,518+20.8% |
| Participation rate | 81.3% | 81.1%+0.1pp | 74.6%+6.6pp | 82.1%-0.9pp |
| Annual return | 10.20% | 17.98%-7.8pp | 5144.19%-5134.0pp | 478.71%-468.5pp |
| Employer contribution / active EE | $0 | $4,164-100.0% | $3,324-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $5,849 | $5,675+3.1% | $4,615+26.7% | $6,342-7.8% |
| Admin fee / account holder | $12,118 | $9,534+27.1% | $7,494+61.7% | $12,312-1.6% |