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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 | $170,006 | $183,988-7.6% | $162,177+4.8% | $152,897+11.2% |
| Participation rate | 83.3% | 88.5%-5.2pp | 87.6%-4.2pp | 82.5%+0.9pp |
| Annual return | 26.49% | 150.79%-124.3pp | 115.60%-89.1pp | 345.43%-318.9pp |
| Employer contribution / active EE | $0 | $6,370-100.0% | $5,613-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $9,301 | $8,032+15.8% | $7,297+27.5% | $5,851+59.0% |
| Admin fee / account holder | $5,714 | $13,123-56.5% | $10,843-47.3% | $11,599-50.7% |