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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 | $136,860+25.0% | $120,344+42.1% | $154,746+10.5% |
| Participation rate | 78.9% | 79.9%-0.9pp | 76.7%+2.2pp | 80.7%-1.8pp |
| Annual return | 11.87% | 21.38%-9.5pp | 20.30%-8.4pp | 172.34%-160.5pp |
| Employer contribution / active EE | $285 | $3,533-91.9% | $3,020-90.6% | $4,379-93.5% |
| Participant deferral / active EE | $4,415 | $5,793-23.8% | $5,135-14.0% | $6,730-34.4% |
| Admin fee / account holder | $4,166 | $15,393-72.9% | $12,742-67.3% | $14,365-71.0% |