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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 | $113,402 | $124,336-8.8% | $111,303+1.9% | $167,518-32.3% |
| Participation rate | 76.2% | 79.6%-3.4pp | 77.3%-1.1pp | 82.1%-5.9pp |
| Annual return | 15.63% | 37.45%-21.8pp | 54.66%-39.0pp | 478.71%-463.1pp |
| Employer contribution / active EE | $457 | $3,436-86.7% | $2,731-83.3% | $4,838-90.6% |
| Participant deferral / active EE | $2,700 | $5,181-47.9% | $4,487-39.8% | $6,342-57.4% |
| Admin fee / account holder | $8,069 | $10,623-24.0% | $7,966+1.3% | $12,312-34.5% |