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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 | $174,379-88.9% | $152,093-87.3% | $138,895-86.1% |
| Participation rate | 81.8% | 81.6%+0.2pp | 77.8%+4.1pp | 79.9%+1.9pp |
| Annual return | 19.45% | 74.86%-55.4pp | 66.36%-46.9pp | 145.39%-125.9pp |
| Employer contribution / active EE | $506 | $4,652-89.1% | $4,175-87.9% | $4,194-87.9% |
| Participant deferral / active EE | $5,017 | $6,159-18.5% | $5,451-8.0% | $6,396-21.6% |
| Admin fee / account holder | $1,698 | $16,880-89.9% | $14,497-88.3% | $12,562-86.5% |