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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 | $45,346 | $196,972-77.0% | $182,262-75.1% | $198,609-77.2% |
| Participation rate | 88.9% | 85.7%+3.2pp | 84.2%+4.7pp | 82.4%+6.5pp |
| Annual return | 11.40% | 158.27%-146.9pp | 140.60%-129.2pp | 202.70%-191.3pp |
| Employer contribution / active EE | $1,210 | $5,364-77.4% | $5,046-76.0% | $5,055-76.1% |
| Participant deferral / active EE | $6,492 | $8,643-24.9% | $8,276-21.6% | $6,977-7.0% |
| Admin fee / account holder | $525 | $18,429-97.2% | $16,712-96.9% | $19,030-97.2% |