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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 | $134,696 | $181,062-25.6% | $158,223-14.9% | $155,188-13.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 12.24% | 57.39%-45.1pp | 52.09%-39.9pp | 148.84%-136.6pp |
| Employer contribution / active EE | $186 | $4,565-95.9% | $4,109-95.5% | $4,248-95.6% |
| Participant deferral / active EE | $21,127 | $6,134+244.4% | $5,467+286.5% | $6,531+223.5% |
| Admin fee / account holder | $17,396 | $18,825-7.6% | $16,047+8.4% | $14,480+20.1% |