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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 | $85,665 | $93,617-8.5% | $135,982-37.0% | $75,177+14.0% |
| Participation rate | 88.9% | 75.2%+13.7pp | 81.9%+7.0pp | 67.2%+21.7pp |
| Annual return | 19.80% | 30.89%-11.1pp | 68.32%-48.5pp | 160.75%-140.9pp |
| Employer contribution / active EE | $569 | $3,538-83.9% | $4,859-88.3% | $2,671-78.7% |
| Participant deferral / active EE | $10,950 | $6,406+70.9% | $7,760+41.1% | $4,126+165.4% |
| Admin fee / account holder | $4,598 | $6,980-34.1% | $10,767-57.3% | $5,651-18.6% |