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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 | $137,067 | $199,109-31.2% | $173,730-21.1% | $154,746-11.4% |
| Participation rate | 83.3% | 82.8%+0.5pp | 79.6%+3.8pp | 80.7%+2.6pp |
| Annual return | 13.31% | 20.02%-6.7pp | 19.96%-6.6pp | 172.34%-159.0pp |
| Employer contribution / active EE | $977 | $5,311-81.6% | $4,577-78.6% | $4,379-77.7% |
| Participant deferral / active EE | $5,751 | $7,113-19.1% | $6,326-9.1% | $6,730-14.5% |
| Admin fee / account holder | $4,203 | $20,916-79.9% | $17,523-76.0% | $14,365-70.7% |