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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 | $102,597 | $217,432-52.8% | $185,849-44.8% | $167,536-38.8% |
| Participation rate | 72.7% | 86.1%-13.3pp | 81.7%-9.0pp | 82.1%-9.4pp |
| Annual return | 17.79% | 148.42%-130.6pp | 122.10%-104.3pp | 478.82%-461.0pp |
| Employer contribution / active EE | $1,146 | $5,875-80.5% | $5,169-77.8% | $4,839-76.3% |
| Participant deferral / active EE | $8,209 | $6,357+29.1% | $5,569+47.4% | $6,342+29.4% |
| Admin fee / account holder | $948 | $19,818-95.2% | $16,244-94.2% | $12,315-92.3% |