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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 | $26,925 | $93,598-71.2% | $135,974-80.2% | $75,173-64.2% |
| Participation rate | 92.9% | 75.2%+17.7pp | 81.9%+10.9pp | 67.2%+25.7pp |
| Annual return | 18.04% | 30.89%-12.8pp | 68.30%-50.3pp | 160.72%-142.7pp |
| Employer contribution / active EE | $465 | $3,538-86.9% | $4,859-90.4% | $2,671-82.6% |
| Participant deferral / active EE | $2,927 | $6,405-54.3% | $7,760-62.3% | $4,126-29.1% |
| Admin fee / account holder | $363 | $6,978-94.8% | $10,767-96.6% | $5,651-93.6% |