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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 | $148,915 | $153,774-3.2% | $133,979+11.1% | $273,970-45.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 7.90% | 36.51%-28.6pp | 29.30%-21.4pp | 41.46%-33.6pp |
| Employer contribution / active EE | $305 | $6,029-94.9% | $5,211-94.2% | $4,869-93.7% |
| Participant deferral / active EE | $13,235 | $6,958+90.2% | $6,282+110.7% | $5,287+150.3% |
| Admin fee / account holder | $310 | $11,765-97.4% | $9,324-96.7% | $10,132-96.9% |