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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 | $39,840 | $124,314-68.0% | $109,163-63.5% | $167,518-76.2% |
| Participation rate | 95.0% | 79.4%+15.6pp | 75.9%+19.1pp | 82.1%+12.9pp |
| Annual return | 9.72% | 26.04%-16.3pp | 25.75%-16.0pp | 478.71%-469.0pp |
| Employer contribution / active EE | $780 | $4,209-81.5% | $3,723-79.1% | $4,838-83.9% |
| Participant deferral / active EE | $1,912 | $5,256-63.6% | $4,654-58.9% | $6,342-69.9% |
| Admin fee / account holder | $480 | $7,973-94.0% | $6,754-92.9% | $12,312-96.1% |