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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 | $145,943 | $209,336-30.3% | $197,124-26.0% | $137,256+6.3% |
| Participation rate | 80.0% | 87.3%-7.3pp | 86.7%-6.7pp | 80.0%0pp |
| Annual return | 16.21% | 48.09%-31.9pp | 44.34%-28.1pp | 220.34%-204.1pp |
| Employer contribution / active EE | $922 | $6,591-86.0% | $6,227-85.2% | $4,156-77.8% |
| Participant deferral / active EE | $10,188 | $9,614+6.0% | $9,135+11.5% | $6,407+59.0% |
| Admin fee / account holder | $557 | $17,308-96.8% | $16,298-96.6% | $12,270-95.5% |