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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 | $93,130 | $165,381-43.7% | $149,730-37.8% | $158,966-41.4% |
| Participation rate | 85.0% | 84.6%+0.4pp | 82.5%+2.5pp | 82.0%+3.0pp |
| Annual return | 9.73% | 348.29%-338.6pp | 276.70%-267.0pp | 302.95%-293.2pp |
| Employer contribution / active EE | $19 | $5,104-99.6% | $4,645-99.6% | $4,762-99.6% |
| Participant deferral / active EE | $7,780 | $7,182+8.3% | $6,843+13.7% | $5,983+30.0% |
| Admin fee / account holder | $1,123 | $10,809-89.6% | $9,310-87.9% | $11,250-90.0% |