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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 | $62,903 | $82,882-24.1% | $127,803-50.8% | $72,976-13.8% |
| Participation rate | 91.1% | 71.5%+19.6pp | 79.0%+12.1pp | 69.5%+21.6pp |
| Annual return | 17.83% | 32.20%-14.4pp | 26.14%-8.3pp | 81.02%-63.2pp |
| Employer contribution / active EE | $267 | $3,346-92.0% | $4,576-94.2% | $2,440-89.1% |
| Participant deferral / active EE | $2,222 | $4,791-53.6% | $6,023-63.1% | $3,608-38.4% |
| Admin fee / account holder | $2,237 | $6,487-65.5% | $9,399-76.2% | $5,124-56.3% |