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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 | $186,097 | $199,109-6.5% | $173,730+7.1% | $154,746+20.3% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 16.22% | 20.02%-3.8pp | 19.96%-3.7pp | 172.34%-156.1pp |
| Employer contribution / active EE | $1,111 | $5,311-79.1% | $4,577-75.7% | $4,379-74.6% |
| Participant deferral / active EE | $7,718 | $7,113+8.5% | $6,326+22.0% | $6,730+14.7% |
| Admin fee / account holder | $54,424 | $20,916+160.2% | $17,523+210.6% | $14,365+278.9% |