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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 | $77,748 | $197,625-60.7% | $177,840-56.3% | $158,966-51.1% |
| Participation rate | 75.0% | 88.5%-13.5pp | 87.7%-12.7pp | 82.0%-7.0pp |
| Annual return | 54.45% | 58.76%-4.3pp | 48.32%+6.1pp | 302.95%-248.5pp |
| Employer contribution / active EE | $842 | $6,698-87.4% | $5,919-85.8% | $4,762-82.3% |
| Participant deferral / active EE | $9,875 | $8,405+17.5% | $7,714+28.0% | $5,983+65.0% |
| Admin fee / account holder | $20,000 | $15,405+29.8% | $12,431+60.9% | $11,250+77.8% |