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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 | $182,622 | $199,109-8.3% | $173,730+5.1% | $154,746+18.0% |
| Participation rate | 71.4% | 82.8%-11.4pp | 79.6%-8.1pp | 80.7%-9.3pp |
| Annual return | 14.38% | 20.02%-5.6pp | 19.96%-5.6pp | 172.34%-158.0pp |
| Employer contribution / active EE | $720 | $5,311-86.4% | $4,577-84.3% | $4,379-83.6% |
| Participant deferral / active EE | $5,588 | $7,113-21.4% | $6,326-11.7% | $6,730-17.0% |
| Admin fee / account holder | $1,330 | $20,916-93.6% | $17,523-92.4% | $14,365-90.7% |