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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 | $77,738 | $146,267-46.9% | $197,124-60.6% | $82,448-5.7% |
| Participation rate | 74.1% | 84.0%-9.9pp | 86.7%-12.6pp | 68.1%+6.0pp |
| Annual return | 18.07% | 29.61%-11.5pp | 44.34%-26.3pp | 41.64%-23.6pp |
| Employer contribution / active EE | $887 | $4,723-81.2% | $6,227-85.8% | $2,551-65.2% |
| Participant deferral / active EE | $7,944 | $7,035+12.9% | $9,135-13.0% | $4,139+91.9% |
| Admin fee / account holder | $9,985 | $14,422-30.8% | $16,298-38.7% | $7,234+38.0% |