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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 | $254,759-46.2% | $216,567-36.7% | $198,609-31.0% |
| Participation rate | 83.3% | 84.5%-1.2pp | 81.6%+1.7pp | 82.4%+1.0pp |
| Annual return | 13.31% | 10.04%+3.3pp | 12.94%+0.4pp | 202.70%-189.4pp |
| Employer contribution / active EE | $977 | $6,096-84.0% | $5,216-81.3% | $5,055-80.7% |
| Participant deferral / active EE | $5,751 | $6,948-17.2% | $6,191-7.1% | $6,977-17.6% |
| Admin fee / account holder | $4,203 | $26,311-84.0% | $21,981-80.9% | $19,030-77.9% |