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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 | $121,544 | $184,014-33.9% | $161,149-24.6% | $138,895-12.5% |
| Participation rate | 84.6% | 82.1%+2.5pp | 78.8%+5.8pp | 79.9%+4.7pp |
| Annual return | 12.69% | 21.52%-8.8pp | 21.16%-8.5pp | 145.39%-132.7pp |
| Employer contribution / active EE | $798 | $5,055-84.2% | $4,360-81.7% | $4,194-81.0% |
| Participant deferral / active EE | $2,828 | $6,909-59.1% | $6,153-54.0% | $6,396-55.8% |
| Admin fee / account holder | $1,488 | $18,027-91.7% | $15,194-90.2% | $12,562-88.2% |