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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 | $138,064 | $165,399-16.5% | $149,745-7.8% | $158,982-13.2% |
| Participation rate | 70.8% | 84.6%-13.7pp | 82.5%-11.6pp | 82.0%-11.1pp |
| Annual return | 19.78% | 348.34%-328.6pp | 276.72%-256.9pp | 302.99%-283.2pp |
| Employer contribution / active EE | $667 | $5,105-86.9% | $4,646-85.6% | $4,763-86.0% |
| Participant deferral / active EE | $5,071 | $7,183-29.4% | $6,843-25.9% | $5,983-15.3% |
| Admin fee / account holder | $15,425 | $10,811+42.7% | $9,312+65.7% | $11,252+37.1% |