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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 | $96,175 | $197,625-51.3% | $177,840-45.9% | $158,966-39.5% |
| Participation rate | 71.4% | 88.5%-17.1pp | 87.7%-16.3pp | 82.0%-10.5pp |
| Annual return | 19.33% | 58.76%-39.4pp | 48.32%-29.0pp | 302.95%-283.6pp |
| Employer contribution / active EE | $894 | $6,698-86.7% | $5,919-84.9% | $4,762-81.2% |
| Participant deferral / active EE | $7,949 | $8,405-5.4% | $7,714+3.0% | $5,983+32.9% |
| Admin fee / account holder | $1,131 | $15,405-92.7% | $12,431-90.9% | $11,250-89.9% |