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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 | $210,296 | $127,387+65.1% | $115,038+82.8% | $125,389+67.7% |
| Participation rate | 77.8% | 84.2%-6.4pp | 81.4%-3.6pp | 83.2%-5.4pp |
| Annual return | -0.87% | 31.28%-32.1pp | 26.14%-27.0pp | 282.24%-283.1pp |
| Employer contribution / active EE | $25 | $5,166-99.5% | $4,608-99.5% | $4,866-99.5% |
| Participant deferral / active EE | $5,179 | $6,423-19.4% | $6,026-14.1% | $5,352-3.2% |
| Admin fee / account holder | $476 | $9,516-95.0% | $8,175-94.2% | $9,541-95.0% |