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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 | $114,113 | $72,177+58.1% | $115,037-0.8% | $59,633+91.4% |
| Participation rate | 71.4% | 72.6%-1.1pp | 81.4%-9.9pp | 68.7%+2.8pp |
| Annual return | 2.77% | 12.02%-9.2pp | 26.14%-23.4pp | 2041.40%-2038.6pp |
| Employer contribution / active EE | $315 | $2,841-88.9% | $4,608-93.2% | $2,203-85.7% |
| Participant deferral / active EE | $8,275 | $4,783+73.0% | $6,026+37.3% | $3,192+159.3% |
| Admin fee / account holder | $1,425 | $4,927-71.1% | $8,175-82.6% | $4,297-66.8% |