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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 | $75,700 | $117,904-35.8% | $102,457-26.1% | $145,978-48.1% |
| Participation rate | 91.3% | 78.6%+12.7pp | 76.5%+14.8pp | 80.3%+11.0pp |
| Annual return | 9.38% | 31.80%-22.4pp | 29.41%-20.0pp | 550.52%-541.1pp |
| Employer contribution / active EE | $802 | $3,613-77.8% | $3,022-73.5% | $4,662-82.8% |
| Participant deferral / active EE | $4,767 | $5,733-16.8% | $5,054-5.7% | $6,690-28.7% |
| Admin fee / account holder | $6,461 | $13,329-51.5% | $9,451-31.6% | $13,400-51.8% |