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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 | $179,027 | $217,432-17.7% | $185,849-3.7% | $167,536+6.9% |
| Participation rate | 92.3% | 86.1%+6.3pp | 81.7%+10.6pp | 82.1%+10.2pp |
| Annual return | 9.30% | 148.42%-139.1pp | 122.10%-112.8pp | 478.82%-469.5pp |
| Employer contribution / active EE | $1,024 | $5,875-82.6% | $5,169-80.2% | $4,839-78.8% |
| Participant deferral / active EE | $3,649 | $6,357-42.6% | $5,569-34.5% | $6,342-42.5% |
| Admin fee / account holder | $4,124 | $19,818-79.2% | $16,244-74.6% | $12,315-66.5% |