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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 | $143,796 | $101,795+41.3% | $165,100-12.9% | $80,959+77.6% |
| Participation rate | 85.7% | 71.8%+13.9pp | 78.6%+7.1pp | 67.7%+18.0pp |
| Annual return | 20.10% | 16.73%+3.4pp | 70.21%-50.1pp | 35.67%-15.6pp |
| Employer contribution / active EE | $214 | $2,954-92.7% | $4,348-95.1% | $2,757-92.2% |
| Participant deferral / active EE | $2,554 | $4,476-42.9% | $6,035-57.7% | $4,300-40.6% |
| Admin fee / account holder | $4,215 | $8,221-48.7% | $12,696-66.8% | $6,925-39.1% |