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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 | $180,913 | $254,759-29.0% | $216,567-16.5% | $198,609-8.9% |
| Participation rate | 95.2% | 84.5%+10.7pp | 81.6%+13.6pp | 82.4%+12.9pp |
| Annual return | 7.05% | 10.04%-3.0pp | 12.94%-5.9pp | 202.70%-195.7pp |
| Employer contribution / active EE | $600 | $6,096-90.2% | $5,216-88.5% | $5,055-88.1% |
| Participant deferral / active EE | $5,184 | $6,948-25.4% | $6,191-16.3% | $6,977-25.7% |
| Admin fee / account holder | $87,615 | $26,311+233.0% | $21,981+298.6% | $19,030+360.4% |