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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 | $106,197 | $95,453+11.3% | $112,040-5.2% | $82,448+28.8% |
| Participation rate | 83.9% | 72.8%+11.1pp | 76.5%+7.4pp | 68.1%+15.8pp |
| Annual return | 17.57% | 23.92%-6.3pp | 24.52%-6.9pp | 41.64%-24.1pp |
| Employer contribution / active EE | $563 | $2,318-75.7% | $2,954-80.9% | $2,551-77.9% |
| Participant deferral / active EE | $3,784 | $4,224-10.4% | $5,098-25.8% | $4,139-8.6% |
| Admin fee / account holder | $10,143 | $9,013+12.5% | $12,098-16.2% | $7,234+40.2% |