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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 | $83,174 | $99,345-16.3% | $84,753-1.9% | $273,972-69.6% |
| Participation rate | 93.3% | 80.7%+12.6pp | 76.6%+16.7pp | 83.0%+10.3pp |
| Annual return | 3.18% | 22.93%-19.8pp | 22.78%-19.6pp | 41.46%-38.3pp |
| Employer contribution / active EE | $524 | $4,214-87.6% | $3,574-85.3% | $4,869-89.2% |
| Participant deferral / active EE | $3,242 | $4,270-24.1% | $3,712-12.7% | $5,287-38.7% |
| Admin fee / account holder | $3,968 | $6,645-40.3% | $5,333-25.6% | $10,133-60.8% |