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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 | $144,298 | $72,273+99.7% | $101,275+42.5% | $79,856+80.7% |
| Participation rate | 74.4% | 68.5%+6.0pp | 75.8%-1.4pp | 69.6%+4.8pp |
| Annual return | 14.86% | 22.30%-7.4pp | 46.48%-31.6pp | 31.71%-16.8pp |
| Employer contribution / active EE | $485 | $2,691-82.0% | $3,660-86.7% | $2,471-80.4% |
| Participant deferral / active EE | $3,899 | $3,282+18.8% | $4,371-10.8% | $3,741+4.2% |
| Admin fee / account holder | $4,794 | $4,401+8.9% | $5,948-19.4% | $5,306-9.6% |