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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 | $125,118 | $104,098+20.2% | $140,514-11.0% | $94,015+33.1% |
| Participation rate | 76.0% | 73.7%+2.3pp | 77.8%-1.8pp | 70.8%+5.2pp |
| Annual return | 14.36% | 15.14%-0.8pp | 14.36%0pp | 17.84%-3.5pp |
| Employer contribution / active EE | $419 | $2,388-82.5% | $3,378-87.6% | $2,790-85.0% |
| Participant deferral / active EE | $2,491 | $4,033-38.2% | $4,919-49.3% | $4,249-41.4% |
| Admin fee / account holder | $18,057 | $10,439+73.0% | $13,697+31.8% | $8,951+101.7% |