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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 | $96,158 | $72,404+32.8% | $110,241-12.8% | $64,181+49.8% |
| Participation rate | 80.0% | 73.3%+6.7pp | 79.8%+0.2pp | 69.6%+10.4pp |
| Annual return | 5.93% | -6.29%+12.2pp | 314.75%-308.8pp | 7.63%-1.7pp |
| Employer contribution / active EE | $473 | $2,282-79.2% | $3,827-87.6% | $2,381-80.1% |
| Participant deferral / active EE | $2,517 | $3,469-27.4% | $4,672-46.1% | $3,470-27.5% |
| Admin fee / account holder | $13,888 | $5,664+145.2% | $8,548+62.5% | $4,887+184.2% |