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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 | $197,178 | $209,422-5.8% | $178,503+10.5% | $158,982+24.0% |
| Participation rate | 85.7% | 86.4%-0.6pp | 81.9%+3.8pp | 82.0%+3.7pp |
| Annual return | 10.69% | 188.81%-178.1pp | 151.12%-140.4pp | 302.99%-292.3pp |
| Employer contribution / active EE | $1,147 | $5,707-79.9% | $5,011-77.1% | $4,763-75.9% |
| Participant deferral / active EE | $6,713 | $5,955+12.7% | $5,202+29.0% | $5,983+12.2% |
| Admin fee / account holder | $50,656 | $17,079+196.6% | $13,987+262.2% | $11,252+350.2% |