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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 | $59,703 | $72,273-17.4% | $101,275-41.0% | $79,856-25.2% |
| Participation rate | 96.6% | 68.5%+28.1pp | 75.8%+20.7pp | 69.6%+26.9pp |
| Annual return | 15.79% | 22.30%-6.5pp | 46.48%-30.7pp | 31.71%-15.9pp |
| Employer contribution / active EE | $466 | $2,691-82.7% | $3,660-87.3% | $2,471-81.1% |
| Participant deferral / active EE | $2,317 | $3,282-29.4% | $4,371-47.0% | $3,741-38.1% |
| Admin fee / account holder | $6,414 | $4,401+45.7% | $5,948+7.8% | $5,306+20.9% |