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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 | $174,379+35.8% | $152,093+55.7% | $138,895+70.5% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 12.63% | 74.86%-62.2pp | 66.36%-53.7pp | 145.39%-132.8pp |
| Employer contribution / active EE | $744 | $4,652-84.0% | $4,175-82.2% | $4,194-82.3% |
| Participant deferral / active EE | $5,738 | $6,159-6.8% | $5,451+5.3% | $6,396-10.3% |
| Admin fee / account holder | $839 | $16,880-95.0% | $14,497-94.2% | $12,562-93.3% |