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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 | $115,931-2.4% | $185,441-39.0% | $86,983+30.0% |
| Participation rate | 83.9% | 73.6%+10.2pp | 80.3%+3.6pp | 69.5%+14.3pp |
| Annual return | 18.26% | 21.47%-3.2pp | 20.16%-1.9pp | 25.83%-7.6pp |
| Employer contribution / active EE | $501 | $2,937-82.9% | $4,672-89.3% | $2,584-80.6% |
| Participant deferral / active EE | $3,997 | $4,551-12.2% | $6,152-35.0% | $4,194-4.7% |
| Admin fee / account holder | $2,672 | $10,687-75.0% | $17,890-85.1% | $7,856-66.0% |