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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 | $66,440 | $146,267-54.6% | $197,124-66.3% | $82,448-19.4% |
| Participation rate | 82.4% | 84.0%-1.7pp | 86.7%-4.4pp | 68.1%+14.3pp |
| Annual return | 15.45% | 29.61%-14.2pp | 44.34%-28.9pp | 41.64%-26.2pp |
| Employer contribution / active EE | $80 | $4,723-98.3% | $6,227-98.7% | $2,551-96.8% |
| Participant deferral / active EE | $10,736 | $7,035+52.6% | $9,135+17.5% | $4,139+159.4% |
| Admin fee / account holder | $4,033 | $14,422-72.0% | $16,298-75.3% | $7,234-44.3% |