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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 | $72,419 | $138,385-47.7% | $184,200-60.7% | $80,874-10.5% |
| Participation rate | 94.9% | 83.9%+11.0pp | 86.8%+8.0pp | 67.6%+27.2pp |
| Annual return | 24.93% | 20.02%+4.9pp | 28.80%-3.9pp | 35.62%-10.7pp |
| Employer contribution / active EE | $1,198 | $4,849-75.3% | $6,424-81.3% | $2,756-56.5% |
| Participant deferral / active EE | $17,391 | $7,073+145.9% | $9,132+90.4% | $4,297+304.7% |
| Admin fee / account holder | $3,838 | $10,483-63.4% | $13,907-72.4% | $6,935-44.7% |