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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 | $73,946 | $76,367-3.2% | $93,609-21.0% | $72,986+1.3% |
| Participation rate | 77.4% | 71.7%+5.6pp | 75.8%+1.5pp | 69.5%+7.9pp |
| Annual return | 18.75% | 25.82%-7.1pp | 32.76%-14.0pp | 81.01%-62.3pp |
| Employer contribution / active EE | $311 | $2,275-86.3% | $2,718-88.6% | $2,440-87.3% |
| Participant deferral / active EE | $2,342 | $3,538-33.8% | $4,069-42.5% | $3,607-35.1% |
| Admin fee / account holder | $1,561 | $6,838-77.2% | $7,889-80.2% | $5,124-69.5% |