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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 | $19,325 | $185,312-89.6% | $161,489-88.0% | $154,746-87.5% |
| Participation rate | 81.8% | 82.5%-0.6pp | 78.7%+3.1pp | 80.7%+1.1pp |
| Annual return | 19.45% | 103.84%-84.4pp | 89.72%-70.3pp | 172.34%-152.9pp |
| Employer contribution / active EE | $506 | $4,769-89.4% | $4,268-88.2% | $4,379-88.5% |
| Participant deferral / active EE | $5,017 | $6,350-21.0% | $5,630-10.9% | $6,730-25.5% |
| Admin fee / account holder | $1,698 | $18,654-90.9% | $16,006-89.4% | $14,365-88.2% |