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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 | $65,397 | $212,386-69.2% | $199,883-67.3% | $138,895-52.9% |
| Participation rate | 91.7% | 87.4%+4.3pp | 86.8%+4.9pp | 79.9%+11.7pp |
| Annual return | 12.34% | 47.75%-35.4pp | 43.81%-31.5pp | 145.39%-133.1pp |
| Employer contribution / active EE | $1,106 | $6,625-83.3% | $6,261-82.3% | $4,194-73.6% |
| Participant deferral / active EE | $3,143 | $9,617-67.3% | $9,138-65.6% | $6,396-50.9% |
| Admin fee / account holder | $810 | $18,233-95.6% | $17,268-95.3% | $12,562-93.6% |