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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 | $56,937 | $201,370-71.7% | $184,256-69.1% | $145,897-61.0% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 14.57% | 29.05%-14.5pp | 28.85%-14.3pp | 552.29%-537.7pp |
| Employer contribution / active EE | $693 | $7,024-90.1% | $6,427-89.2% | $4,663-85.1% |
| Participant deferral / active EE | $8,841 | $9,808-9.9% | $9,133-3.2% | $6,689+32.2% |
| Admin fee / account holder | $1,264 | $16,364-92.3% | $13,899-90.9% | $13,390-90.6% |