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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 | $192,667 | $217,427-11.4% | $185,837+3.7% | $167,518+15.0% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.64% | 148.39%-135.8pp | 122.08%-109.4pp | 478.71%-466.1pp |
| Employer contribution / active EE | $663 | $5,874-88.7% | $5,168-87.2% | $4,838-86.3% |
| Participant deferral / active EE | $3,694 | $6,357-41.9% | $5,568-33.7% | $6,342-41.8% |
| Admin fee / account holder | $4,772 | $19,816-75.9% | $16,241-70.6% | $12,312-61.2% |