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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 | $199,528 | $199,109+0.2% | $173,730+14.8% | $154,746+28.9% |
| Participation rate | 70.6% | 82.8%-12.2pp | 79.6%-9.0pp | 80.7%-10.1pp |
| Annual return | 12.13% | 20.02%-7.9pp | 19.96%-7.8pp | 172.34%-160.2pp |
| Employer contribution / active EE | $133 | $5,311-97.5% | $4,577-97.1% | $4,379-97.0% |
| Participant deferral / active EE | $6,753 | $7,113-5.1% | $6,326+6.7% | $6,730+0.3% |
| Admin fee / account holder | $48,904 | $20,916+133.8% | $17,523+179.1% | $14,365+240.4% |