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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 | $57,321 | $72,492-20.9% | $87,104-34.2% | $72,975-21.5% |
| Participation rate | 75.6% | 72.8%+2.8pp | 76.9%-1.3pp | 69.5%+6.1pp |
| Annual return | 17.51% | 24.46%-6.9pp | 28.19%-10.7pp | 81.01%-63.5pp |
| Employer contribution / active EE | $385 | $1,894-79.6% | $2,521-84.7% | $2,440-84.2% |
| Participant deferral / active EE | $3,172 | $3,270-3.0% | $4,048-21.6% | $3,608-12.1% |
| Admin fee / account holder | $5,108 | $5,055+1.0% | $7,491-31.8% | $5,124-0.3% |