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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 | $146,952 | $148,623-1.1% | $135,974+8.1% | $139,466+5.4% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 15.13% | 79.30%-64.2pp | 68.30%-53.2pp | 373.66%-358.5pp |
| Employer contribution / active EE | $933 | $5,246-82.2% | $4,859-80.8% | $4,754-80.4% |
| Participant deferral / active EE | $10,783 | $8,103+33.1% | $7,760+39.0% | $6,712+60.7% |
| Admin fee / account holder | $1,487 | $12,406-88.0% | $10,767-86.2% | $11,409-87.0% |