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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 | $133,691 | $111,535+19.9% | $105,223+27.1% | $137,256-2.6% |
| Participation rate | 85.7% | 78.1%+7.6pp | 75.0%+10.7pp | 80.0%+5.8pp |
| Annual return | 16.53% | 237.85%-221.3pp | 180.65%-164.1pp | 220.34%-203.8pp |
| Employer contribution / active EE | $674 | $3,939-82.9% | $3,689-81.7% | $4,156-83.8% |
| Participant deferral / active EE | $5,574 | $5,500+1.4% | $5,072+9.9% | $6,407-13.0% |
| Admin fee / account holder | $2,332 | $9,721-76.0% | $8,859-73.7% | $12,270-81.0% |