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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 | $106,524+4.4% | $152,301-27.0% | $87,485+27.1% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.4%+5.6pp | 68.9%+19.1pp |
| Annual return | 32.29% | 26.89%+5.4pp | 80.50%-48.2pp | 26.06%+6.2pp |
| Employer contribution / active EE | $215 | $3,371-93.6% | $4,624-95.3% | $2,596-91.7% |
| Participant deferral / active EE | $7,060 | $6,525+8.2% | $8,004-11.8% | $4,274+65.2% |
| Admin fee / account holder | $2,723 | $8,287-67.1% | $14,398-81.1% | $7,775-65.0% |