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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 | $103,831 | $139,948-25.8% | $121,663-14.7% | $154,746-32.9% |
| Participation rate | 94.1% | 78.0%+16.1pp | 74.5%+19.6pp | 80.7%+13.4pp |
| Annual return | 13.82% | 230.52%-216.7pp | 147.54%-133.7pp | 172.34%-158.5pp |
| Employer contribution / active EE | $598 | $3,521-83.0% | $3,020-80.2% | $4,379-86.4% |
| Participant deferral / active EE | $5,887 | $5,629+4.6% | $4,887+20.5% | $6,730-12.5% |
| Admin fee / account holder | $3,129 | $17,321-81.9% | $14,289-78.1% | $14,365-78.2% |