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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 | $60,691 | $213,785-71.6% | $185,441-67.3% | $155,188-60.9% |
| Participation rate | 84.6% | 83.2%+1.4pp | 80.3%+4.4pp | 80.8%+3.8pp |
| Annual return | 15.21% | 19.97%-4.8pp | 20.16%-5.0pp | 148.84%-133.6pp |
| Employer contribution / active EE | $782 | $5,393-85.5% | $4,672-83.3% | $4,248-81.6% |
| Participant deferral / active EE | $9,133 | $6,864+33.0% | $6,152+48.5% | $6,531+39.8% |
| Admin fee / account holder | $6,756 | $21,134-68.0% | $17,890-62.2% | $14,480-53.3% |