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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 | $134,221 | $153,769-12.7% | $133,975+0.2% | $273,972-51.0% |
| Participation rate | 88.9% | 88.4%+0.5pp | 87.1%+1.8pp | 83.0%+5.9pp |
| Annual return | 6.08% | 36.51%-30.4pp | 29.29%-23.2pp | 41.46%-35.4pp |
| Employer contribution / active EE | $518 | $6,029-91.4% | $5,211-90.1% | $4,869-89.4% |
| Participant deferral / active EE | $10,426 | $6,958+49.8% | $6,282+66.0% | $5,287+97.2% |
| Admin fee / account holder | $975 | $11,765-91.7% | $9,324-89.5% | $10,133-90.4% |