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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 | $69,864 | $181,896-61.6% | $156,551-55.4% | $273,972-74.5% |
| Participation rate | 95.5% | 88.4%+7.1pp | 84.0%+11.4pp | 83.0%+12.4pp |
| Annual return | 6.77% | 30.74%-24.0pp | 32.23%-25.5pp | 41.46%-34.7pp |
| Employer contribution / active EE | $868 | $6,248-86.1% | $5,501-84.2% | $4,869-82.2% |
| Participant deferral / active EE | $6,429 | $5,550+15.8% | $4,871+32.0% | $5,287+21.6% |
| Admin fee / account holder | $2,409 | $15,560-84.5% | $13,028-81.5% | $10,133-76.2% |