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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 | $146,314 | $166,131-11.9% | $164,975-11.3% | $145,877+0.3% |
| Participation rate | 85.7% | 82.0%+3.7pp | 78.6%+7.1pp | 80.3%+5.4pp |
| Annual return | 14.00% | 100.37%-86.4pp | 70.12%-56.1pp | 551.28%-537.3pp |
| Employer contribution / active EE | $111 | $5,276-97.9% | $4,343-97.4% | $4,663-97.6% |
| Participant deferral / active EE | $7,820 | $6,962+12.3% | $6,033+29.6% | $6,691+16.9% |
| Admin fee / account holder | $726 | $16,648-95.6% | $12,688-94.3% | $13,402-94.6% |