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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 | $95,453+31.1% | $112,040+11.7% | $82,448+51.8% |
| Participation rate | 76.0% | 72.8%+3.2pp | 76.5%-0.5pp | 68.1%+7.9pp |
| Annual return | 14.36% | 23.92%-9.6pp | 24.52%-10.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $419 | $2,318-81.9% | $2,954-85.8% | $2,551-83.6% |
| Participant deferral / active EE | $2,491 | $4,224-41.0% | $5,098-51.1% | $4,139-39.8% |
| Admin fee / account holder | $18,057 | $9,013+100.3% | $12,098+49.3% | $7,234+149.6% |