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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 | $202,842 | $176,120+15.2% | $159,487+27.2% | $167,553+21.1% |
| Participation rate | 76.5% | 85.0%-8.5pp | 82.8%-6.4pp | 82.1%-5.6pp |
| Annual return | 12.20% | 331.95%-319.7pp | 263.71%-251.5pp | 478.89%-466.7pp |
| Employer contribution / active EE | $548 | $5,299-89.7% | $4,831-88.7% | $4,840-88.7% |
| Participant deferral / active EE | $3,372 | $7,752-56.5% | $7,354-54.1% | $6,343-46.8% |
| Admin fee / account holder | $11,157 | $12,561-11.2% | $10,804+3.3% | $12,316-9.4% |