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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 | $170,470 | $135,905+25.4% | $126,068+35.2% | $198,609-14.2% |
| Participation rate | 94.4% | 85.6%+8.8pp | 84.7%+9.7pp | 82.4%+12.1pp |
| Annual return | 15.46% | 14.07%+1.4pp | 15.01%+0.5pp | 202.70%-187.2pp |
| Employer contribution / active EE | $921 | $4,245-78.3% | $3,968-76.8% | $5,055-81.8% |
| Participant deferral / active EE | $4,623 | $8,523-45.8% | $8,214-43.7% | $6,977-33.7% |
| Admin fee / account holder | $7,770 | $21,036-63.1% | $18,264-57.5% | $19,030-59.2% |