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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 | $127,315 | $178,174-28.5% | $156,181-18.5% | $137,256-7.2% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.8%-3.8pp | 80.0%-5.0pp |
| Annual return | 11.32% | 84.19%-72.9pp | 64.87%-53.6pp | 220.34%-209.0pp |
| Employer contribution / active EE | $716 | $4,972-85.6% | $4,294-83.3% | $4,156-82.8% |
| Participant deferral / active EE | $2,364 | $6,888-65.7% | $6,132-61.5% | $6,407-63.1% |
| Admin fee / account holder | $24,264 | $17,404+39.4% | $14,586+66.4% | $12,270+97.8% |