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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 | $178,174+12.0% | $156,181+27.8% | $137,256+45.4% |
| Participation rate | 70.6% | 82.0%-11.4pp | 78.8%-8.2pp | 80.0%-9.4pp |
| Annual return | 12.13% | 84.19%-72.1pp | 64.87%-52.7pp | 220.34%-208.2pp |
| Employer contribution / active EE | $133 | $4,972-97.3% | $4,294-96.9% | $4,156-96.8% |
| Participant deferral / active EE | $6,753 | $6,888-2.0% | $6,132+10.1% | $6,407+5.4% |
| Admin fee / account holder | $48,904 | $17,404+181.0% | $14,586+235.3% | $12,270+298.6% |