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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 | $104,078 | $76,407+36.2% | $150,298-30.8% | $82,448+26.2% |
| Participation rate | 94.1% | 66.4%+27.7pp | 77.8%+16.4pp | 68.1%+26.0pp |
| Annual return | 17.56% | 39.99%-22.4pp | 62.79%-45.2pp | 41.64%-24.1pp |
| Employer contribution / active EE | $210 | $2,614-92.0% | $4,154-94.9% | $2,551-91.8% |
| Participant deferral / active EE | $4,902 | $3,214+52.5% | $5,453-10.1% | $4,139+18.4% |
| Admin fee / account holder | $2,676 | $6,352-57.9% | $14,116-81.0% | $7,234-63.0% |