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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 | $100,722 | $213,785-52.9% | $185,441-45.7% | $155,188-35.1% |
| Participation rate | 87.5% | 83.2%+4.3pp | 80.3%+7.2pp | 80.8%+6.7pp |
| Annual return | 10.85% | 19.97%-9.1pp | 20.16%-9.3pp | 148.84%-138.0pp |
| Employer contribution / active EE | $567 | $5,393-89.5% | $4,672-87.9% | $4,248-86.6% |
| Participant deferral / active EE | $2,424 | $6,864-64.7% | $6,152-60.6% | $6,531-62.9% |
| Admin fee / account holder | $429 | $21,134-98.0% | $17,890-97.6% | $14,480-97.0% |