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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 | $242,717 | $160,070+51.6% | $147,117+65.0% | $145,897+66.4% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 11.69% | 98.69%-87.0pp | 420.54%-408.9pp | 552.29%-540.6pp |
| Employer contribution / active EE | $462 | $5,285-91.3% | $4,932-90.6% | $4,663-90.1% |
| Participant deferral / active EE | $9,141 | $8,419+8.6% | $8,065+13.4% | $6,689+36.7% |
| Admin fee / account holder | $4,243 | $15,035-71.8% | $12,993-67.3% | $13,390-68.3% |