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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 | $227,625 | $175,231+29.9% | $149,696+52.1% | $139,466+63.2% |
| Participation rate | 90.0% | 83.4%+6.6pp | 78.8%+11.2pp | 80.3%+9.7pp |
| Annual return | 15.54% | 166.77%-151.2pp | 134.46%-118.9pp | 373.66%-358.1pp |
| Employer contribution / active EE | $915 | $5,478-83.3% | $4,821-81.0% | $4,754-80.8% |
| Participant deferral / active EE | $7,022 | $6,521+7.7% | $5,682+23.6% | $6,712+4.6% |
| Admin fee / account holder | $2,938 | $16,155-81.8% | $13,212-77.8% | $11,409-74.2% |