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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 | $108,110 | $96,731+11.8% | $123,973-12.8% | $86,983+24.3% |
| Participation rate | 88.9% | 70.0%+18.9pp | 76.7%+12.2pp | 69.5%+19.3pp |
| Annual return | 12.55% | 17.33%-4.8pp | 388.13%-375.6pp | 25.83%-13.3pp |
| Employer contribution / active EE | $657 | $3,297-80.1% | $4,126-84.1% | $2,584-74.6% |
| Participant deferral / active EE | $6,356 | $4,152+53.1% | $5,247+21.1% | $4,194+51.6% |
| Admin fee / account holder | $15,827 | $8,722+81.5% | $11,799+34.1% | $7,856+101.5% |