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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 | $71,074 | $83,485-14.9% | $125,195-43.2% | $72,976-2.6% |
| Participation rate | 80.0% | 73.3%+6.7pp | 79.8%+0.2pp | 69.5%+10.5pp |
| Annual return | 17.91% | 25.77%-7.9pp | 43.79%-25.9pp | 81.02%-63.1pp |
| Employer contribution / active EE | $247 | $2,346-89.5% | $3,866-93.6% | $2,440-89.9% |
| Participant deferral / active EE | $4,268 | $3,586+19.0% | $4,937-13.6% | $3,608+18.3% |
| Admin fee / account holder | $5,758 | $5,518+4.4% | $9,704-40.7% | $5,124+12.4% |