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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 | $95,453-10.3% | $112,040-23.6% | $82,448+3.8% |
| Participation rate | 76.5% | 72.8%+3.7pp | 76.5%0pp | 68.1%+8.4pp |
| Annual return | 29.84% | 23.92%+5.9pp | 24.52%+5.3pp | 41.64%-11.8pp |
| Employer contribution / active EE | $495 | $2,318-78.7% | $2,954-83.3% | $2,551-80.6% |
| Participant deferral / active EE | $2,682 | $4,224-36.5% | $5,098-47.4% | $4,139-35.2% |
| Admin fee / account holder | $715 | $9,013-92.1% | $12,098-94.1% | $7,234-90.1% |