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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 | $193,291 | $167,533+15.4% | $151,645+27.5% | $134,545+43.7% |
| Participation rate | 85.7% | 88.4%-2.7pp | 87.5%-1.8pp | 81.2%+4.5pp |
| Annual return | -12.75% | 7.81%-20.6pp | 3.34%-16.1pp | 418.37%-431.1pp |
| Employer contribution / active EE | $1,221 | $6,828-82.1% | $6,165-80.2% | $4,742-74.2% |
| Participant deferral / active EE | $7,107 | $8,985-20.9% | $8,363-15.0% | $6,401+11.0% |
| Admin fee / account holder | $1,507 | $13,781-89.1% | $11,614-87.0% | $11,431-86.8% |