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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 | $111,169 | $99,875+11.3% | $146,866-24.3% | $86,983+27.8% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.5%+5.5pp | 69.5%+18.5pp |
| Annual return | 32.29% | 28.10%+4.2pp | 102.85%-70.6pp | 25.83%+6.5pp |
| Employer contribution / active EE | $215 | $3,224-93.3% | $4,425-95.1% | $2,584-91.7% |
| Participant deferral / active EE | $7,060 | $6,322+11.7% | $7,759-9.0% | $4,194+68.3% |
| Admin fee / account holder | $2,723 | $7,838-65.3% | $13,620-80.0% | $7,856-65.3% |