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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 | $129,737+3.0% | $119,126+12.2% | $154,746-13.6% |
| Participation rate | 85.7% | 78.9%+6.9pp | 75.8%+10.0pp | 80.7%+5.0pp |
| Annual return | 16.53% | 379.08%-362.6pp | 282.11%-265.6pp | 172.34%-155.8pp |
| Employer contribution / active EE | $674 | $4,375-84.6% | $4,034-83.3% | $4,379-84.6% |
| Participant deferral / active EE | $5,574 | $5,842-4.6% | $5,318+4.8% | $6,730-17.2% |
| Admin fee / account holder | $2,332 | $11,961-80.5% | $10,693-78.2% | $14,365-83.8% |