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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 | $113,103 | $110,137+2.7% | $161,149-29.8% | $82,637+36.9% |
| Participation rate | 83.9% | 72.4%+11.5pp | 78.8%+5.0pp | 68.1%+15.8pp |
| Annual return | 18.26% | 20.69%-2.4pp | 21.16%-2.9pp | 53.51%-35.3pp |
| Employer contribution / active EE | $501 | $2,856-82.5% | $4,360-88.5% | $2,552-80.4% |
| Participant deferral / active EE | $3,997 | $4,575-12.6% | $6,153-35.0% | $4,126-3.1% |
| Admin fee / account holder | $2,672 | $9,467-71.8% | $15,194-82.4% | $7,339-63.6% |