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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 | $95,767 | $227,291-57.9% | $214,702-55.4% | $155,188-38.3% |
| Participation rate | 85.7% | 88.0%-2.3pp | 87.5%-1.8pp | 80.8%+4.9pp |
| Annual return | 16.56% | 60.08%-43.5pp | 54.55%-38.0pp | 148.84%-132.3pp |
| Employer contribution / active EE | $705 | $6,772-89.6% | $6,461-89.1% | $4,248-83.4% |
| Participant deferral / active EE | $7,363 | $9,582-23.2% | $9,147-19.5% | $6,531+12.7% |
| Admin fee / account holder | $10,145 | $20,413-50.3% | $19,830-48.8% | $14,480-29.9% |