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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 | $109,693 | $129,737-15.4% | $119,126-7.9% | $154,746-29.1% |
| Participation rate | 76.5% | 78.9%-2.4pp | 75.8%+0.7pp | 80.7%-4.2pp |
| Annual return | 13.70% | 379.08%-365.4pp | 282.11%-268.4pp | 172.34%-158.6pp |
| Employer contribution / active EE | $682 | $4,375-84.4% | $4,034-83.1% | $4,379-84.4% |
| Participant deferral / active EE | $5,197 | $5,842-11.0% | $5,318-2.3% | $6,730-22.8% |
| Admin fee / account holder | $10,226 | $11,961-14.5% | $10,693-4.4% | $14,365-28.8% |