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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 | $169,275 | $167,533+1.0% | $151,645+11.6% | $134,545+25.8% |
| Participation rate | 75.0% | 88.4%-13.4pp | 87.5%-12.5pp | 81.2%-6.2pp |
| Annual return | -16.53% | 7.81%-24.3pp | 3.34%-19.9pp | 418.37%-434.9pp |
| Employer contribution / active EE | $1,471 | $6,828-78.5% | $6,165-76.1% | $4,742-69.0% |
| Participant deferral / active EE | $4,875 | $8,985-45.7% | $8,363-41.7% | $6,401-23.8% |
| Admin fee / account holder | $750 | $13,781-94.6% | $11,614-93.5% | $11,431-93.4% |