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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 | $130,273 | $213,785-39.1% | $185,441-29.7% | $155,188-16.1% |
| Participation rate | 75.0% | 83.2%-8.2pp | 80.3%-5.3pp | 80.8%-5.8pp |
| Annual return | 11.60% | 19.97%-8.4pp | 20.16%-8.6pp | 148.84%-137.2pp |
| Employer contribution / active EE | $58 | $5,393-98.9% | $4,672-98.8% | $4,248-98.6% |
| Participant deferral / active EE | $8,590 | $6,864+25.1% | $6,152+39.6% | $6,531+31.5% |
| Admin fee / account holder | $1,778 | $21,134-91.6% | $17,890-90.1% | $14,480-87.7% |