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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 | $187,245 | $157,296+19.0% | $141,191+32.6% | $152,897+22.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.17% | 64.34%-41.2pp | 71.41%-48.2pp | 345.43%-322.3pp |
| Employer contribution / active EE | $745 | $5,262-85.8% | $4,736-84.3% | $4,764-84.4% |
| Participant deferral / active EE | $7,452 | $7,111+4.8% | $6,710+11.1% | $5,851+27.4% |
| Admin fee / account holder | $5,169 | $12,125-57.4% | $10,264-49.6% | $11,599-55.4% |