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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 | $224,250 | $166,089+35.0% | $164,928+36.0% | $145,978+53.6% |
| Participation rate | 84.6% | 82.0%+2.6pp | 78.6%+6.0pp | 80.3%+4.3pp |
| Annual return | 12.15% | 100.26%-88.1pp | 70.08%-57.9pp | 550.52%-538.4pp |
| Employer contribution / active EE | $0 | $5,276-100.0% | $4,343-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $8,696 | $6,961+24.9% | $6,034+44.1% | $6,690+30.0% |
| Admin fee / account holder | $74,555 | $16,641+348.0% | $12,684+487.8% | $13,400+456.4% |