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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 | $78,067 | $106,749-26.9% | $145,433-46.3% | $82,448-5.3% |
| Participation rate | 88.9% | 75.6%+13.2pp | 82.1%+6.8pp | 68.1%+20.8pp |
| Annual return | 16.14% | 27.59%-11.5pp | 66.58%-50.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $666 | $3,444-80.7% | $4,554-85.4% | $2,551-73.9% |
| Participant deferral / active EE | $9,784 | $6,519+50.1% | $7,897+23.9% | $4,139+136.4% |
| Admin fee / account holder | $39,792 | $8,390+374.3% | $13,129+203.1% | $7,234+450.0% |