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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 | $78,973 | $213,785-63.1% | $185,441-57.4% | $155,188-49.1% |
| Participation rate | 87.0% | 83.2%+3.7pp | 80.3%+6.7pp | 80.8%+6.2pp |
| Annual return | 16.13% | 19.97%-3.8pp | 20.16%-4.0pp | 148.84%-132.7pp |
| Employer contribution / active EE | $1,072 | $5,393-80.1% | $4,672-77.0% | $4,248-74.8% |
| Participant deferral / active EE | $4,827 | $6,864-29.7% | $6,152-21.5% | $6,531-26.1% |
| Admin fee / account holder | $2,212 | $21,134-89.5% | $17,890-87.6% | $14,480-84.7% |