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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 | $82,343 | $227,399-63.8% | $189,758-56.6% | $198,609-58.5% |
| Participation rate | 90.0% | 84.0%+6.0pp | 79.8%+10.2pp | 82.4%+7.6pp |
| Annual return | 18.09% | 61.03%-42.9pp | 52.62%-34.5pp | 202.70%-184.6pp |
| Employer contribution / active EE | $877 | $5,526-84.1% | $4,767-81.6% | $5,055-82.7% |
| Participant deferral / active EE | $12,052 | $6,837+76.3% | $5,856+105.8% | $6,977+72.7% |
| Admin fee / account holder | $5,461 | $25,162-78.3% | $20,388-73.2% | $19,030-71.3% |