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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 | $95,044 | $177,595-46.5% | $148,496-36.0% | $198,609-52.1% |
| Participation rate | 80.0% | 79.3%+0.7pp | 76.0%+4.0pp | 82.4%-2.4pp |
| Annual return | 15.39% | 9.97%+5.4pp | 12.33%+3.1pp | 202.70%-187.3pp |
| Employer contribution / active EE | $398 | $4,098-90.3% | $3,497-88.6% | $5,055-92.1% |
| Participant deferral / active EE | $2,890 | $5,539-47.8% | $4,808-39.9% | $6,977-58.6% |
| Admin fee / account holder | $712 | $27,010-97.4% | $19,547-96.4% | $19,030-96.3% |