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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 | $144,739 | $148,582-2.6% | $135,942+6.5% | $139,456+3.8% |
| Participation rate | 95.7% | 83.9%+11.8pp | 81.9%+13.7pp | 80.3%+15.3pp |
| Annual return | 15.28% | 79.26%-64.0pp | 68.28%-53.0pp | 373.45%-358.2pp |
| Employer contribution / active EE | $854 | $5,245-83.7% | $4,858-82.4% | $4,753-82.0% |
| Participant deferral / active EE | $15,058 | $8,101+85.9% | $7,759+94.1% | $6,711+124.4% |
| Admin fee / account holder | $3,582 | $12,402-71.1% | $10,764-66.7% | $11,407-68.6% |