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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 | $92,061 | $211,288-56.4% | $178,540-48.4% | $145,884-36.9% |
| Participation rate | 73.7% | 80.8%-7.1pp | 77.1%-3.4pp | 80.3%-6.6pp |
| Annual return | 15.38% | 30.27%-14.9pp | 27.15%-11.8pp | 551.85%-536.5pp |
| Employer contribution / active EE | $555 | $4,574-87.9% | $3,953-86.0% | $4,662-88.1% |
| Participant deferral / active EE | $3,984 | $6,967-42.8% | $6,281-36.6% | $6,690-40.4% |
| Admin fee / account holder | $3,353 | $12,105-72.3% | $10,424-67.8% | $13,392-75.0% |