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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 | $110,158 | $165,361-33.4% | $149,715-26.4% | $158,950-30.7% |
| Participation rate | 87.5% | 84.6%+2.9pp | 82.5%+5.0pp | 82.0%+5.5pp |
| Annual return | 20.71% | 348.24%-327.5pp | 276.66%-256.0pp | 302.91%-282.2pp |
| Employer contribution / active EE | $120 | $5,103-97.7% | $4,645-97.4% | $4,762-97.5% |
| Participant deferral / active EE | $17,525 | $7,182+144.0% | $6,842+156.1% | $5,983+192.9% |
| Admin fee / account holder | $641 | $10,808-94.1% | $9,310-93.1% | $11,248-94.3% |