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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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,111 | $73,863+70.7% | $143,797-12.3% | $68,490+84.1% |
| Participation rate | 80.2% | 66.7%+13.6pp | 80.3%-0.1pp | 67.9%+12.3pp |
| Annual return | -13.67% | 0.91%-14.6pp | -0.04%-13.6pp | -7.85%-5.8pp |
| Employer contribution / active EE | $170 | $3,185-94.7% | $4,952-96.6% | $2,597-93.5% |
| Participant deferral / active EE | $4,245 | $3,385+25.4% | $5,638-24.7% | $4,028+5.4% |
| Admin fee / account holder | $423 | $5,756-92.6% | $14,679-97.1% | $5,403-92.2% |