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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 | $106,209 | $127,387-16.6% | $115,038-7.7% | $125,389-15.3% |
| Participation rate | 90.5% | 84.2%+6.3pp | 81.4%+9.1pp | 83.2%+7.3pp |
| Annual return | -0.08% | 31.28%-31.4pp | 26.14%-26.2pp | 282.24%-282.3pp |
| Employer contribution / active EE | $805 | $5,166-84.4% | $4,608-82.5% | $4,866-83.5% |
| Participant deferral / active EE | $7,494 | $6,423+16.7% | $6,026+24.4% | $5,352+40.0% |
| Admin fee / account holder | $15,669 | $9,516+64.7% | $8,175+91.7% | $9,541+64.2% |