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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 | $212,386-54.9% | $199,883-52.1% | $138,895-31.1% |
| Participation rate | 85.7% | 87.4%-1.7pp | 86.8%-1.1pp | 79.9%+5.8pp |
| Annual return | 16.56% | 47.75%-31.2pp | 43.81%-27.2pp | 145.39%-128.8pp |
| Employer contribution / active EE | $705 | $6,625-89.4% | $6,261-88.7% | $4,194-83.2% |
| Participant deferral / active EE | $7,363 | $9,617-23.4% | $9,138-19.4% | $6,396+15.1% |
| Admin fee / account holder | $10,145 | $18,233-44.4% | $17,268-41.2% | $12,562-19.2% |