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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 | $156,874 | $168,636-7.0% | $147,618+6.3% | $125,388+25.1% |
| Participation rate | 85.7% | 88.8%-3.1pp | 84.6%+1.1pp | 83.2%+2.5pp |
| Annual return | 15.72% | 77.65%-61.9pp | 61.98%-46.3pp | 282.24%-266.5pp |
| Employer contribution / active EE | $386 | $6,252-93.8% | $5,565-93.1% | $4,866-92.1% |
| Participant deferral / active EE | $10,072 | $5,507+82.9% | $4,895+105.8% | $5,352+88.2% |
| Admin fee / account holder | $38,895 | $13,580+186.4% | $11,612+235.0% | $9,541+307.7% |