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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 | $195,064 | $172,111+13.3% | $150,298+29.8% | $137,256+42.1% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.14% | 69.37%-55.2pp | 62.79%-48.6pp | 220.34%-206.2pp |
| Employer contribution / active EE | $577 | $4,636-87.5% | $4,154-86.1% | $4,156-86.1% |
| Participant deferral / active EE | $1,850 | $6,166-70.0% | $5,453-66.1% | $6,407-71.1% |
| Admin fee / account holder | $4,380 | $16,471-73.4% | $14,116-69.0% | $12,270-64.3% |