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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 | $131,207 | $196,972-33.4% | $182,262-28.0% | $198,609-33.9% |
| Participation rate | 80.0% | 85.7%-5.7pp | 84.2%-4.2pp | 82.4%-2.4pp |
| Annual return | 15.06% | 158.27%-143.2pp | 140.60%-125.5pp | 202.70%-187.6pp |
| Employer contribution / active EE | $1,094 | $5,364-79.6% | $5,046-78.3% | $5,055-78.4% |
| Participant deferral / active EE | $6,874 | $8,643-20.5% | $8,276-16.9% | $6,977-1.5% |
| Admin fee / account holder | $814 | $18,429-95.6% | $16,712-95.1% | $19,030-95.7% |