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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 | $169,052 | $198,461-14.8% | $170,436-0.8% | $147,585+14.5% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 18.35% | 257.30%-239.0pp | 205.94%-187.6pp | 578.57%-560.2pp |
| Employer contribution / active EE | $1,245 | $6,184-79.9% | $5,433-77.1% | $4,876-74.5% |
| Participant deferral / active EE | $7,695 | $5,629+36.7% | $4,939+55.8% | $5,439+41.5% |
| Admin fee / account holder | $4,910 | $16,852-70.9% | $13,880-64.6% | $10,885-54.9% |