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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 | $184,014-29.2% | $161,149-19.2% | $138,895-6.2% |
| Participation rate | 75.0% | 82.1%-7.1pp | 78.8%-3.8pp | 79.9%-4.9pp |
| Annual return | 11.60% | 21.52%-9.9pp | 21.16%-9.6pp | 145.39%-133.8pp |
| Employer contribution / active EE | $58 | $5,055-98.9% | $4,360-98.7% | $4,194-98.6% |
| Participant deferral / active EE | $8,590 | $6,909+24.3% | $6,153+39.6% | $6,396+34.3% |
| Admin fee / account holder | $1,778 | $18,027-90.1% | $15,194-88.3% | $12,562-85.8% |