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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $160,327 | $375,661-57.3% | $312,151-48.6% | $382,429-58.1% |
| Participation rate | 94.7% | 91.4%+3.4pp | 89.1%+5.7pp | 87.7%+7.0pp |
| Annual return | 16.18% | 0.11%+16.1pp | 1.82%+14.4pp | 248.85%-232.7pp |
| Employer contribution / active EE | $3,830 | $9,697-60.5% | $8,031-52.3% | $8,036-52.3% |
| Participant deferral / active EE | $7,582 | $5,737+32.2% | $5,370+41.2% | $5,727+32.4% |
| Admin fee / account holder | $3,007 | $64,308-95.3% | $51,799-94.2% | $30,732-90.2% |