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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 | $45,127 | $81,476-44.6% | $102,383-55.9% | $80,925-44.2% |
| Participation rate | 93.0% | 66.8%+26.1pp | 74.5%+18.4pp | 67.7%+25.3pp |
| Annual return | 16.69% | 25.59%-8.9pp | 24.94%-8.2pp | 35.65%-19.0pp |
| Employer contribution / active EE | $123 | $3,105-96.0% | $3,870-96.8% | $2,756-95.5% |
| Participant deferral / active EE | $4,106 | $3,871+6.1% | $5,060-18.8% | $4,299-4.5% |
| Admin fee / account holder | $2,623 | $6,717-61.0% | $8,391-68.7% | $6,940-62.2% |