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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 | $160,040+51.7% | $147,096+65.0% | $145,877+66.4% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 11.69% | 98.49%-86.8pp | 419.75%-408.1pp | 551.28%-539.6pp |
| Employer contribution / active EE | $462 | $5,289-91.3% | $4,936-90.6% | $4,663-90.1% |
| Participant deferral / active EE | $9,141 | $8,429+8.5% | $8,071+13.3% | $6,691+36.6% |
| Admin fee / account holder | $4,243 | $15,050-71.8% | $13,005-67.4% | $13,402-68.3% |