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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 | $45,999 | $201,370-77.2% | $184,256-75.0% | $145,897-68.5% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 12.45% | 29.05%-16.6pp | 28.85%-16.4pp | 552.29%-539.8pp |
| Employer contribution / active EE | $1,403 | $7,024-80.0% | $6,427-78.2% | $4,663-69.9% |
| Participant deferral / active EE | $3,896 | $9,808-60.3% | $9,133-57.3% | $6,689-41.8% |
| Admin fee / account holder | $1,910 | $16,364-88.3% | $13,899-86.3% | $13,390-85.7% |