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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 | $173,337 | $209,336-17.2% | $197,124-12.1% | $137,256+26.3% |
| Participation rate | 83.3% | 87.3%-4.0pp | 86.7%-3.4pp | 80.0%+3.4pp |
| Annual return | 19.03% | 48.09%-29.1pp | 44.34%-25.3pp | 220.34%-201.3pp |
| Employer contribution / active EE | $1,118 | $6,591-83.0% | $6,227-82.0% | $4,156-73.1% |
| Participant deferral / active EE | $9,265 | $9,614-3.6% | $9,135+1.4% | $6,407+44.6% |
| Admin fee / account holder | $48,987 | $17,308+183.0% | $16,298+200.6% | $12,270+299.2% |