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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 | $84,196 | $178,174-52.7% | $156,181-46.1% | $137,256-38.7% |
| Participation rate | 90.0% | 82.0%+8.0pp | 78.8%+11.2pp | 80.0%+10.0pp |
| Annual return | 14.09% | 84.19%-70.1pp | 64.87%-50.8pp | 220.34%-206.3pp |
| Employer contribution / active EE | $818 | $4,972-83.5% | $4,294-80.9% | $4,156-80.3% |
| Participant deferral / active EE | $6,942 | $6,888+0.8% | $6,132+13.2% | $6,407+8.4% |
| Admin fee / account holder | $3,384 | $17,404-80.6% | $14,586-76.8% | $12,270-72.4% |