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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 | $95,025 | $86,940+9.3% | $102,434-7.2% | $80,935+17.4% |
| Participation rate | 93.9% | 72.4%+21.6pp | 76.5%+17.4pp | 67.7%+26.3pp |
| Annual return | 15.63% | 18.89%-3.3pp | 29.46%-13.8pp | 35.66%-20.0pp |
| Employer contribution / active EE | $512 | $2,370-78.4% | $3,023-83.1% | $2,757-81.4% |
| Participant deferral / active EE | $3,382 | $4,121-17.9% | $5,055-33.1% | $4,299-21.3% |
| Admin fee / account holder | $5,666 | $8,047-29.6% | $9,462-40.1% | $6,924-18.2% |