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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 | $174,294 | $148,582+17.3% | $135,942+28.2% | $139,456+25.0% |
| Participation rate | 75.0% | 83.9%-8.9pp | 81.9%-6.9pp | 80.3%-5.3pp |
| Annual return | 17.87% | 79.26%-61.4pp | 68.28%-50.4pp | 373.45%-355.6pp |
| Employer contribution / active EE | $75 | $5,245-98.6% | $4,858-98.5% | $4,753-98.4% |
| Participant deferral / active EE | $8,350 | $8,101+3.1% | $7,759+7.6% | $6,711+24.4% |
| Admin fee / account holder | $1,027 | $12,402-91.7% | $10,764-90.5% | $11,407-91.0% |