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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 | $217,432-11.4% | $185,849+3.7% | $167,536+15.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.64% | 148.42%-135.8pp | 122.10%-109.5pp | 478.82%-466.2pp |
| Employer contribution / active EE | $663 | $5,875-88.7% | $5,169-87.2% | $4,839-86.3% |
| Participant deferral / active EE | $3,694 | $6,357-41.9% | $5,569-33.7% | $6,342-41.8% |
| Admin fee / account holder | $4,772 | $19,818-75.9% | $16,244-70.6% | $12,315-61.2% |