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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 | $85,618 | $97,550-12.2% | $120,344-28.9% | $87,485-2.1% |
| Participation rate | 76.5% | 72.8%+3.6pp | 76.7%-0.2pp | 68.9%+7.5pp |
| Annual return | 29.84% | 18.41%+11.4pp | 20.30%+9.5pp | 26.06%+3.8pp |
| Employer contribution / active EE | $495 | $2,291-78.4% | $3,020-83.6% | $2,596-80.9% |
| Participant deferral / active EE | $2,682 | $4,230-36.6% | $5,135-47.8% | $4,274-37.2% |
| Admin fee / account holder | $715 | $9,543-92.5% | $12,742-94.4% | $7,775-90.8% |