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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 | $141,956 | $114,712+23.7% | $173,730-18.3% | $87,485+62.3% |
| Participation rate | 94.7% | 73.0%+21.7pp | 79.6%+15.2pp | 68.9%+25.8pp |
| Annual return | 18.69% | 20.18%-1.5pp | 19.96%-1.3pp | 26.06%-7.4pp |
| Employer contribution / active EE | $175 | $2,904-94.0% | $4,577-96.2% | $2,596-93.2% |
| Participant deferral / active EE | $2,677 | $4,642-42.3% | $6,326-57.7% | $4,274-37.4% |
| Admin fee / account holder | $6,091 | $10,210-40.3% | $17,523-65.2% | $7,775-21.7% |