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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 | $123,699 | $157,304-21.4% | $141,197-12.4% | $152,909-19.1% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.5%+7.5pp |
| Annual return | 21.70% | 64.34%-42.6pp | 71.41%-49.7pp | 345.46%-323.8pp |
| Employer contribution / active EE | $230 | $5,263-95.6% | $4,736-95.2% | $4,764-95.2% |
| Participant deferral / active EE | $10,196 | $7,111+43.4% | $6,710+51.9% | $5,851+74.3% |
| Admin fee / account holder | $21,169 | $12,126+74.6% | $10,265+106.2% | $11,601+82.5% |