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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 | $45,954 | $100,060-54.1% | $149,721-69.3% | $70,126-34.5% |
| Participation rate | 76.5% | 83.6%-7.1pp | 87.1%-10.6pp | 69.5%+6.9pp |
| Annual return | 19.66% | 27.46%-7.8pp | 1501.67%-1482.0pp | 73.15%-53.5pp |
| Employer contribution / active EE | $1,081 | $3,661-70.5% | $5,444-80.1% | $2,343-53.9% |
| Participant deferral / active EE | $4,691 | $4,982-5.8% | $6,568-28.6% | $3,332+40.8% |
| Admin fee / account holder | $4,743 | $8,285-42.8% | $11,282-58.0% | $4,645+2.1% |