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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 | $104,098-17.8% | $140,514-39.1% | $94,015-8.9% |
| Participation rate | 76.5% | 73.7%+2.8pp | 77.8%-1.3pp | 70.8%+5.6pp |
| Annual return | 29.84% | 15.14%+14.7pp | 14.36%+15.5pp | 17.84%+12.0pp |
| Employer contribution / active EE | $495 | $2,388-79.3% | $3,378-85.4% | $2,790-82.3% |
| Participant deferral / active EE | $2,682 | $4,033-33.5% | $4,919-45.5% | $4,249-36.9% |
| Admin fee / account holder | $715 | $10,439-93.1% | $13,697-94.8% | $8,951-92.0% |