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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 | $143,571 | $123,793+16.0% | $177,848-19.3% | $79,856+79.8% |
| Participation rate | 76.9% | 84.7%-7.7pp | 87.7%-10.8pp | 69.6%+7.3pp |
| Annual return | 14.60% | 22.82%-8.2pp | 48.33%-33.7pp | 31.71%-17.1pp |
| Employer contribution / active EE | $192 | $4,095-95.3% | $5,919-96.8% | $2,471-92.2% |
| Participant deferral / active EE | $12,208 | $5,956+105.0% | $7,714+58.3% | $3,741+226.4% |
| Admin fee / account holder | $6,918 | $7,243-4.5% | $12,431-44.4% | $5,306+30.4% |