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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 | $74,691 | $176,786-57.8% | $146,643-49.1% | $167,536-55.4% |
| Participation rate | 91.7% | 83.6%+8.0pp | 80.1%+11.6pp | 82.1%+9.6pp |
| Annual return | 12.11% | 24.04%-11.9pp | 22.75%-10.6pp | 478.82%-466.7pp |
| Employer contribution / active EE | $238 | $5,161-95.4% | $4,137-94.3% | $4,839-95.1% |
| Participant deferral / active EE | $2,822 | $6,440-56.2% | $5,506-48.7% | $6,342-55.5% |
| Admin fee / account holder | $13,940 | $13,262+5.1% | $10,280+35.6% | $12,315+13.2% |