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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 | $132,571 | $154,228-14.0% | $145,433-8.8% | $137,256-3.4% |
| Participation rate | 77.8% | 83.8%-6.0pp | 82.1%-4.3pp | 80.0%-2.2pp |
| Annual return | 17.34% | 74.59%-57.2pp | 66.58%-49.2pp | 220.34%-203.0pp |
| Employer contribution / active EE | $356 | $4,804-92.6% | $4,554-92.2% | $4,156-91.4% |
| Participant deferral / active EE | $10,984 | $8,216+33.7% | $7,897+39.1% | $6,407+71.4% |
| Admin fee / account holder | $708 | $14,344-95.1% | $13,129-94.6% | $12,270-94.2% |