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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 | $91,648 | $136,860-33.0% | $120,344-23.8% | $154,746-40.8% |
| Participation rate | 81.3% | 79.9%+1.4pp | 76.7%+4.5pp | 80.7%+0.5pp |
| Annual return | 13.51% | 21.38%-7.9pp | 20.30%-6.8pp | 172.34%-158.8pp |
| Employer contribution / active EE | $771 | $3,533-78.2% | $3,020-74.5% | $4,379-82.4% |
| Participant deferral / active EE | $4,831 | $5,793-16.6% | $5,135-5.9% | $6,730-28.2% |
| Admin fee / account holder | $25,425 | $15,393+65.2% | $12,742+99.5% | $14,365+77.0% |