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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 | $241,068 | $165,381+45.8% | $149,730+61.0% | $158,966+51.6% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 17.87% | 348.29%-330.4pp | 276.70%-258.8pp | 302.95%-285.1pp |
| Employer contribution / active EE | $0 | $5,104-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $9,619 | $7,182+33.9% | $6,843+40.6% | $5,983+60.8% |
| Admin fee / account holder | $490 | $10,809-95.5% | $9,310-94.7% | $11,250-95.6% |