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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 | $154,129 | $159,934-3.6% | $147,005+4.8% | $145,959+5.6% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 16.51% | 98.24%-81.7pp | 418.76%-402.3pp | 561.95%-545.4pp |
| Employer contribution / active EE | $0 | $5,287-100.0% | $4,934-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $6,208 | $8,427-26.3% | $8,070-23.1% | $6,689-7.2% |
| Admin fee / account holder | $23,479 | $15,053+56.0% | $13,006+80.5% | $13,398+75.2% |