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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 | $101,638 | $213,785-52.5% | $185,441-45.2% | $155,188-34.5% |
| Participation rate | 82.6% | 83.2%-0.6pp | 80.3%+2.3pp | 80.8%+1.8pp |
| Annual return | 7.27% | 19.97%-12.7pp | 20.16%-12.9pp | 148.84%-141.6pp |
| Employer contribution / active EE | $379 | $5,393-93.0% | $4,672-91.9% | $4,248-91.1% |
| Participant deferral / active EE | $2,430 | $6,864-64.6% | $6,152-60.5% | $6,531-62.8% |
| Admin fee / account holder | $6,074 | $21,134-71.3% | $17,890-66.1% | $14,480-58.1% |