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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 | $65,573 | $88,042-25.5% | $138,135-52.5% | $79,856-17.9% |
| Participation rate | 94.6% | 71.4%+23.2pp | 78.7%+15.9pp | 69.6%+25.0pp |
| Annual return | 13.20% | 20.58%-7.4pp | 20.51%-7.3pp | 31.71%-18.5pp |
| Employer contribution / active EE | $324 | $3,103-89.5% | $5,587-94.2% | $2,471-86.9% |
| Participant deferral / active EE | $2,393 | $4,704-49.1% | $6,431-62.8% | $3,741-36.0% |
| Admin fee / account holder | $1,213 | $7,791-84.4% | $11,856-89.8% | $5,306-77.1% |