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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 | $86,744 | $86,940-0.2% | $102,434-15.3% | $80,935+7.2% |
| Participation rate | 80.8% | 72.4%+8.4pp | 76.5%+4.3pp | 67.7%+13.1pp |
| Annual return | 12.50% | 18.89%-6.4pp | 29.46%-17.0pp | 35.66%-23.2pp |
| Employer contribution / active EE | $462 | $2,370-80.5% | $3,023-84.7% | $2,757-83.2% |
| Participant deferral / active EE | $5,896 | $4,121+43.1% | $5,055+16.6% | $4,299+37.1% |
| Admin fee / account holder | $321 | $8,047-96.0% | $9,462-96.6% | $6,924-95.4% |