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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 | $208,482 | $175,257+19.0% | $149,717+39.3% | $139,456+49.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 28.11% | 166.70%-138.6pp | 134.41%-106.3pp | 373.45%-345.3pp |
| Employer contribution / active EE | $698 | $5,477-87.2% | $4,820-85.5% | $4,753-85.3% |
| Participant deferral / active EE | $3,412 | $6,521-47.7% | $5,682-39.9% | $6,711-49.2% |
| Admin fee / account holder | $7,444 | $16,156-53.9% | $13,213-43.7% | $11,407-34.7% |