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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 | $80,822 | $127,387-36.6% | $115,038-29.7% | $125,389-35.5% |
| Participation rate | 91.3% | 84.2%+7.1pp | 81.4%+9.9pp | 83.2%+8.1pp |
| Annual return | 1.49% | 31.28%-29.8pp | 26.14%-24.7pp | 282.24%-280.8pp |
| Employer contribution / active EE | $460 | $5,166-91.1% | $4,608-90.0% | $4,866-90.5% |
| Participant deferral / active EE | $7,221 | $6,423+12.4% | $6,026+19.8% | $5,352+34.9% |
| Admin fee / account holder | $2,491 | $9,516-73.8% | $8,175-69.5% | $9,541-73.9% |