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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 | $168,452 | $183,516-8.2% | $155,534+8.3% | $145,884+15.5% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 10.86% | 61.43%-50.6pp | 64.92%-54.1pp | 551.85%-541.0pp |
| Employer contribution / active EE | $823 | $5,315-84.5% | $4,675-82.4% | $4,662-82.4% |
| Participant deferral / active EE | $4,249 | $6,467-34.3% | $5,630-24.5% | $6,690-36.5% |
| Admin fee / account holder | $1,072 | $19,293-94.4% | $15,900-93.3% | $13,392-92.0% |