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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 | $196,138 | $147,556+32.9% | $129,031+52.0% | $198,609-1.2% |
| Participation rate | 73.9% | 77.2%-3.3pp | 73.4%+0.6pp | 82.4%-8.5pp |
| Annual return | 15.49% | 37.41%-21.9pp | 34.67%-19.2pp | 202.70%-187.2pp |
| Employer contribution / active EE | $606 | $3,645-83.4% | $3,226-81.2% | $5,055-88.0% |
| Participant deferral / active EE | $5,883 | $5,760+2.1% | $5,217+12.8% | $6,977-15.7% |
| Admin fee / account holder | $5,085 | $15,467-67.1% | $13,208-61.5% | $19,030-73.3% |