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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 | $125,488 | $109,359+14.7% | $162,185-22.6% | $72,976+72.0% |
| Participation rate | 96.0% | 84.3%+11.7pp | 87.6%+8.4pp | 69.5%+26.5pp |
| Annual return | 21.72% | 25.46%-3.7pp | 115.61%-93.9pp | 81.02%-59.3pp |
| Employer contribution / active EE | $1,167 | $3,907-70.1% | $5,613-79.2% | $2,440-52.2% |
| Participant deferral / active EE | $4,791 | $5,481-12.6% | $7,297-34.3% | $3,608+32.8% |
| Admin fee / account holder | $1,347 | $7,972-83.1% | $10,844-87.6% | $5,124-73.7% |