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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 | $111,261 | $275,752-59.7% | $256,809-56.7% | $198,609-44.0% |
| Participation rate | 71.4% | 89.2%-17.7pp | 88.5%-17.1pp | 82.4%-10.9pp |
| Annual return | 19.38% | 34.81%-15.4pp | 32.73%-13.3pp | 202.70%-183.3pp |
| Employer contribution / active EE | $1,192 | $7,721-84.6% | $7,263-83.6% | $5,055-76.4% |
| Participant deferral / active EE | $7,390 | $10,037-26.4% | $9,520-22.4% | $6,977+5.9% |
| Admin fee / account holder | $4,417 | $25,716-82.8% | $25,146-82.4% | $19,030-76.8% |