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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 | $115,931+22.4% | $185,441-23.4% | $86,983+63.2% |
| Participation rate | 94.7% | 73.6%+21.1pp | 80.3%+14.5pp | 69.5%+25.2pp |
| Annual return | 18.69% | 21.47%-2.8pp | 20.16%-1.5pp | 25.83%-7.1pp |
| Employer contribution / active EE | $175 | $2,937-94.0% | $4,672-96.2% | $2,584-93.2% |
| Participant deferral / active EE | $2,677 | $4,551-41.2% | $6,152-56.5% | $4,194-36.2% |
| Admin fee / account holder | $6,091 | $10,687-43.0% | $17,890-66.0% | $7,856-22.5% |