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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 | $195,235 | $148,623+31.4% | $135,974+43.6% | $139,466+40.0% |
| Participation rate | 86.7% | 83.9%+2.8pp | 81.9%+4.7pp | 80.3%+6.3pp |
| Annual return | 12.88% | 79.30%-66.4pp | 68.30%-55.4pp | 373.66%-360.8pp |
| Employer contribution / active EE | $21 | $5,246-99.6% | $4,859-99.6% | $4,754-99.6% |
| Participant deferral / active EE | $11,209 | $8,103+38.3% | $7,760+44.5% | $6,712+67.0% |
| Admin fee / account holder | $27,239 | $12,406+119.6% | $10,767+153.0% | $11,409+138.8% |