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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 | $167,415+2.2% | $140,514+21.7% | $198,609-13.9% |
| Participation rate | 78.9% | 80.9%-1.9pp | 77.8%+1.1pp | 82.4%-3.4pp |
| Annual return | 11.87% | 13.85%-2.0pp | 14.36%-2.5pp | 202.70%-190.8pp |
| Employer contribution / active EE | $285 | $4,088-93.0% | $3,378-91.6% | $5,055-94.4% |
| Participant deferral / active EE | $4,415 | $5,579-20.9% | $4,919-10.2% | $6,977-36.7% |
| Admin fee / account holder | $4,166 | $16,730-75.1% | $13,697-69.6% | $19,030-78.1% |