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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 | $80,966 | $165,399-51.0% | $149,745-45.9% | $158,982-49.1% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 23.85% | 348.34%-324.5pp | 276.72%-252.9pp | 302.99%-279.1pp |
| Employer contribution / active EE | $889 | $5,105-82.6% | $4,646-80.9% | $4,763-81.3% |
| Participant deferral / active EE | $3,445 | $7,183-52.0% | $6,843-49.7% | $5,983-42.4% |
| Admin fee / account holder | $731 | $10,811-93.2% | $9,312-92.1% | $11,252-93.5% |