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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 | $236,847 | $181,062+30.8% | $158,223+49.7% | $155,188+52.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 12.63% | 57.39%-44.8pp | 52.09%-39.5pp | 148.84%-136.2pp |
| Employer contribution / active EE | $744 | $4,565-83.7% | $4,109-81.9% | $4,248-82.5% |
| Participant deferral / active EE | $5,738 | $6,134-6.5% | $5,467+5.0% | $6,531-12.1% |
| Admin fee / account holder | $839 | $18,825-95.5% | $16,047-94.8% | $14,480-94.2% |