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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 | $130,304 | $165,399-21.2% | $149,745-13.0% | $158,982-18.0% |
| Participation rate | 92.9% | 84.6%+8.3pp | 82.5%+10.4pp | 82.0%+10.9pp |
| Annual return | 15.68% | 348.34%-332.7pp | 276.72%-261.0pp | 302.99%-287.3pp |
| Employer contribution / active EE | $757 | $5,105-85.2% | $4,646-83.7% | $4,763-84.1% |
| Participant deferral / active EE | $14,387 | $7,183+100.3% | $6,843+110.2% | $5,983+140.4% |
| Admin fee / account holder | $875 | $10,811-91.9% | $9,312-90.6% | $11,252-92.2% |