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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 | $172,319 | $167,353+3.0% | $143,797+19.8% | $134,545+28.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -7.59% | 0.48%-8.1pp | -0.04%-7.6pp | 418.37%-426.0pp |
| Employer contribution / active EE | $715 | $5,620-87.3% | $4,952-85.6% | $4,742-84.9% |
| Participant deferral / active EE | $10,977 | $6,447+70.3% | $5,638+94.7% | $6,401+71.5% |
| Admin fee / account holder | $2,954 | $18,096-83.7% | $14,679-79.9% | $11,431-74.2% |