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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 | $180,987 | $185,883-2.6% | $170,043+6.4% | $139,466+29.8% |
| Participation rate | 87.5% | 87.8%-0.3pp | 87.0%+0.5pp | 80.3%+7.2pp |
| Annual return | 18.25% | 60.54%-42.3pp | 53.40%-35.2pp | 373.66%-355.4pp |
| Employer contribution / active EE | $796 | $7,596-89.5% | $6,790-88.3% | $4,754-83.3% |
| Participant deferral / active EE | $11,191 | $11,626-3.7% | $10,410+7.5% | $6,712+66.7% |
| Admin fee / account holder | $3,495 | $15,393-77.3% | $12,824-72.7% | $11,409-69.4% |