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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 | $223,823-34.8% | $211,142-30.9% | $154,746-5.7% |
| Participation rate | 80.0% | 87.9%-7.9pp | 87.3%-7.3pp | 80.7%-0.7pp |
| Annual return | 16.21% | 50.39%-34.2pp | 46.84%-30.6pp | 172.34%-156.1pp |
| Employer contribution / active EE | $922 | $6,787-86.4% | $6,442-85.7% | $4,379-78.9% |
| Participant deferral / active EE | $10,188 | $9,750+4.5% | $9,284+9.7% | $6,730+51.4% |
| Admin fee / account holder | $557 | $19,707-97.2% | $19,076-97.1% | $14,365-96.1% |