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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 | $195,503 | $185,856+5.2% | $170,028+15.0% | $139,456+40.2% |
| Participation rate | 87.5% | 87.8%-0.3pp | 87.0%+0.5pp | 80.3%+7.2pp |
| Annual return | 20.57% | 60.52%-40.0pp | 53.39%-32.8pp | 373.45%-352.9pp |
| Employer contribution / active EE | $292 | $7,593-96.2% | $6,788-95.7% | $4,753-93.9% |
| Participant deferral / active EE | $14,221 | $11,623+22.3% | $10,409+36.6% | $6,711+111.9% |
| Admin fee / account holder | $3,958 | $15,387-74.3% | $12,820-69.1% | $11,407-65.3% |