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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 | $173,337 | $227,291-23.7% | $214,702-19.3% | $155,188+11.7% |
| Participation rate | 83.3% | 88.0%-4.6pp | 87.5%-4.1pp | 80.8%+2.5pp |
| Annual return | 19.03% | 60.08%-41.0pp | 54.55%-35.5pp | 148.84%-129.8pp |
| Employer contribution / active EE | $1,118 | $6,772-83.5% | $6,461-82.7% | $4,248-73.7% |
| Participant deferral / active EE | $9,265 | $9,582-3.3% | $9,147+1.3% | $6,531+41.9% |
| Admin fee / account holder | $48,987 | $20,413+140.0% | $19,830+147.0% | $14,480+238.3% |