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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 | $184,014+1.1% | $161,149+15.5% | $138,895+34.0% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 16.22% | 21.52%-5.3pp | 21.16%-4.9pp | 145.39%-129.2pp |
| Employer contribution / active EE | $1,111 | $5,055-78.0% | $4,360-74.5% | $4,194-73.5% |
| Participant deferral / active EE | $7,718 | $6,909+11.7% | $6,153+25.4% | $6,396+20.7% |
| Admin fee / account holder | $54,424 | $18,027+201.9% | $15,194+258.2% | $12,562+333.2% |