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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 | $125,536 | $112,729+11.4% | $98,716+27.2% | $137,256-8.5% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.3%+5.7pp | 80.0%-5.0pp |
| Annual return | 16.95% | 38.48%-21.5pp | 31.81%-14.9pp | 220.34%-203.4pp |
| Employer contribution / active EE | $384 | $2,725-85.9% | $2,279-83.2% | $4,156-90.8% |
| Participant deferral / active EE | $4,999 | $4,640+7.7% | $4,048+23.5% | $6,407-22.0% |
| Admin fee / account holder | $2,590 | $10,129-74.4% | $8,703-70.2% | $12,270-78.9% |