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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 | $171,065 | $124,425+37.5% | $112,040+52.7% | $137,256+24.6% |
| Participation rate | 78.9% | 79.3%-0.4pp | 76.5%+2.5pp | 80.0%-1.0pp |
| Annual return | 11.87% | 24.72%-12.8pp | 24.52%-12.6pp | 220.34%-208.5pp |
| Employer contribution / active EE | $285 | $3,411-91.6% | $2,954-90.3% | $4,156-93.1% |
| Participant deferral / active EE | $4,415 | $5,718-22.8% | $5,098-13.4% | $6,407-31.1% |
| Admin fee / account holder | $4,166 | $15,207-72.6% | $12,098-65.6% | $12,270-66.0% |