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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 | $93,446 | $162,136-42.4% | $152,301-38.6% | $154,746-39.6% |
| Participation rate | 92.9% | 84.1%+8.8pp | 82.4%+10.4pp | 80.7%+12.2pp |
| Annual return | 14.24% | 91.02%-76.8pp | 80.50%-66.3pp | 172.34%-158.1pp |
| Employer contribution / active EE | $539 | $4,890-89.0% | $4,624-88.3% | $4,379-87.7% |
| Participant deferral / active EE | $2,697 | $8,341-67.7% | $8,004-66.3% | $6,730-59.9% |
| Admin fee / account holder | $1,572 | $15,759-90.0% | $14,398-89.1% | $14,365-89.1% |