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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 | $159,995 | $148,623+7.7% | $135,974+17.7% | $139,466+14.7% |
| Participation rate | 85.7% | 83.9%+1.9pp | 81.9%+3.8pp | 80.3%+5.4pp |
| Annual return | 20.74% | 79.30%-58.6pp | 68.30%-47.6pp | 373.66%-352.9pp |
| Employer contribution / active EE | $203 | $5,246-96.1% | $4,859-95.8% | $4,754-95.7% |
| Participant deferral / active EE | $21,731 | $8,103+168.2% | $7,760+180.0% | $6,712+223.8% |
| Admin fee / account holder | $863 | $12,406-93.0% | $10,767-92.0% | $11,409-92.4% |