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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 | $127,342 | $196,972-35.4% | $182,262-30.1% | $198,609-35.9% |
| Participation rate | 83.3% | 85.7%-2.4pp | 84.2%-0.9pp | 82.4%+1.0pp |
| Annual return | 19.83% | 158.27%-138.4pp | 140.60%-120.8pp | 202.70%-182.9pp |
| Employer contribution / active EE | $1,215 | $5,364-77.4% | $5,046-75.9% | $5,055-76.0% |
| Participant deferral / active EE | $7,973 | $8,643-7.7% | $8,276-3.7% | $6,977+14.3% |
| Admin fee / account holder | $2,012 | $18,429-89.1% | $16,712-88.0% | $19,030-89.4% |