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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 | $40,850 | $63,365-35.5% | $91,994-55.6% | $72,975-44.0% |
| Participation rate | 80.0% | 72.5%+7.5pp | 78.6%+1.4pp | 69.5%+10.5pp |
| Annual return | 21.49% | 35.35%-13.9pp | 69.04%-47.6pp | 81.01%-59.5pp |
| Employer contribution / active EE | $125 | $2,116-94.1% | $3,453-96.4% | $2,440-94.9% |
| Participant deferral / active EE | $2,715 | $4,883-44.4% | $5,924-54.2% | $3,608-24.7% |
| Admin fee / account holder | $2,512 | $4,670-46.2% | $7,744-67.6% | $5,124-51.0% |