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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 | $161,135 | $202,342-20.4% | $172,752-6.7% | $152,897+5.4% |
| Participation rate | 90.9% | 87.1%+3.9pp | 82.6%+8.3pp | 82.5%+8.5pp |
| Annual return | 19.20% | 1029.83%-1010.6pp | 802.97%-783.8pp | 345.43%-326.2pp |
| Employer contribution / active EE | $867 | $5,858-85.2% | $5,144-83.1% | $4,764-81.8% |
| Participant deferral / active EE | $3,816 | $5,948-35.8% | $5,198-26.6% | $5,851-34.8% |
| Admin fee / account holder | $22,193 | $17,111+29.7% | $13,955+59.0% | $11,599+91.3% |