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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 | $82,526 | $185,883-55.6% | $170,043-51.5% | $139,466-40.8% |
| Participation rate | 80.0% | 87.8%-7.8pp | 87.0%-7.0pp | 80.3%-0.3pp |
| Annual return | 17.40% | 60.54%-43.1pp | 53.40%-36.0pp | 373.66%-356.3pp |
| Employer contribution / active EE | $775 | $7,596-89.8% | $6,790-88.6% | $4,754-83.7% |
| Participant deferral / active EE | $8,443 | $11,626-27.4% | $10,410-18.9% | $6,712+25.8% |
| Admin fee / account holder | $308 | $15,393-98.0% | $12,824-97.6% | $11,409-97.3% |