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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 | $60,691 | $178,174-65.9% | $156,181-61.1% | $137,256-55.8% |
| Participation rate | 84.6% | 82.0%+2.6pp | 78.8%+5.8pp | 80.0%+4.7pp |
| Annual return | 15.21% | 84.19%-69.0pp | 64.87%-49.7pp | 220.34%-205.1pp |
| Employer contribution / active EE | $782 | $4,972-84.3% | $4,294-81.8% | $4,156-81.2% |
| Participant deferral / active EE | $9,133 | $6,888+32.6% | $6,132+48.9% | $6,407+42.5% |
| Admin fee / account holder | $6,756 | $17,404-61.2% | $14,586-53.7% | $12,270-44.9% |