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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 | $195,967 | $183,592+6.7% | $155,574+26.0% | $145,877+34.3% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 17.03% | 61.37%-44.3pp | 64.87%-47.8pp | 551.28%-534.3pp |
| Employer contribution / active EE | $172 | $5,317-96.8% | $4,676-96.3% | $4,663-96.3% |
| Participant deferral / active EE | $5,402 | $6,466-16.5% | $5,629-4.0% | $6,691-19.3% |
| Admin fee / account holder | $5,862 | $19,316-69.7% | $15,914-63.2% | $13,402-56.3% |