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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 | $82,343 | $185,312-55.6% | $161,489-49.0% | $154,746-46.8% |
| Participation rate | 90.0% | 82.5%+7.5pp | 78.7%+11.3pp | 80.7%+9.3pp |
| Annual return | 18.09% | 103.84%-85.8pp | 89.72%-71.6pp | 172.34%-154.2pp |
| Employer contribution / active EE | $877 | $4,769-81.6% | $4,268-79.5% | $4,379-80.0% |
| Participant deferral / active EE | $12,052 | $6,350+89.8% | $5,630+114.1% | $6,730+79.1% |
| Admin fee / account holder | $5,461 | $18,654-70.7% | $16,006-65.9% | $14,365-62.0% |