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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 | $48,044 | $103,393-53.5% | $87,103-44.8% | $152,909-68.6% |
| Participation rate | 73.7% | 79.4%-5.7pp | 76.9%-3.2pp | 82.5%-8.8pp |
| Annual return | 23.83% | 28.10%-4.3pp | 28.19%-4.4pp | 345.46%-321.6pp |
| Employer contribution / active EE | $381 | $3,221-88.2% | $2,521-84.9% | $4,764-92.0% |
| Participant deferral / active EE | $3,173 | $4,778-33.6% | $4,049-21.6% | $5,851-45.8% |
| Admin fee / account holder | $449 | $12,195-96.3% | $7,491-94.0% | $11,601-96.1% |