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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 | $219,910 | $157,296+39.8% | $141,191+55.8% | $152,897+43.8% |
| Participation rate | 95.2% | 84.8%+10.4pp | 82.5%+12.8pp | 82.5%+12.8pp |
| Annual return | 20.64% | 64.34%-43.7pp | 71.41%-50.8pp | 345.43%-324.8pp |
| Employer contribution / active EE | -$1,749 | $5,262-133.2% | $4,736-136.9% | $4,764-136.7% |
| Participant deferral / active EE | $9,967 | $7,111+40.2% | $6,710+48.5% | $5,851+70.3% |
| Admin fee / account holder | $4,638 | $12,125-61.7% | $10,264-54.8% | $11,599-60.0% |