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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 | $122,838 | $99,345+23.6% | $84,753+44.9% | $273,972-55.2% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.24% | 22.93%-15.7pp | 22.78%-15.5pp | 41.46%-34.2pp |
| Employer contribution / active EE | $591 | $4,214-86.0% | $3,574-83.5% | $4,869-87.9% |
| Participant deferral / active EE | $7,182 | $4,270+68.2% | $3,712+93.5% | $5,287+35.8% |
| Admin fee / account holder | $5,764 | $6,645-13.3% | $5,333+8.1% | $10,133-43.1% |