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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 | $130,273 | $178,174-26.9% | $156,181-16.6% | $137,256-5.1% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.8%-3.8pp | 80.0%-5.0pp |
| Annual return | 11.60% | 84.19%-72.6pp | 64.87%-53.3pp | 220.34%-208.7pp |
| Employer contribution / active EE | $58 | $4,972-98.8% | $4,294-98.7% | $4,156-98.6% |
| Participant deferral / active EE | $8,590 | $6,888+24.7% | $6,132+40.1% | $6,407+34.1% |
| Admin fee / account holder | $1,778 | $17,404-89.8% | $14,586-87.8% | $12,270-85.5% |