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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 | $127,315 | $199,109-36.1% | $173,730-26.7% | $154,746-17.7% |
| Participation rate | 75.0% | 82.8%-7.8pp | 79.6%-4.6pp | 80.7%-5.7pp |
| Annual return | 11.32% | 20.02%-8.7pp | 19.96%-8.6pp | 172.34%-161.0pp |
| Employer contribution / active EE | $716 | $5,311-86.5% | $4,577-84.4% | $4,379-83.7% |
| Participant deferral / active EE | $2,364 | $7,113-66.8% | $6,326-62.6% | $6,730-64.9% |
| Admin fee / account holder | $24,264 | $20,916+16.0% | $17,523+38.5% | $14,365+68.9% |