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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 | $51,463 | $138,393-62.8% | $184,256-72.1% | $80,959-36.4% |
| Participation rate | 92.6% | 83.9%+8.7pp | 86.8%+5.8pp | 67.7%+24.9pp |
| Annual return | 11.74% | 20.01%-8.3pp | 28.85%-17.1pp | 35.67%-23.9pp |
| Employer contribution / active EE | $1,220 | $4,847-74.8% | $6,427-81.0% | $2,757-55.7% |
| Participant deferral / active EE | $5,060 | $7,076-28.5% | $9,133-44.6% | $4,300+17.7% |
| Admin fee / account holder | $1,634 | $10,489-84.4% | $13,899-88.2% | $6,925-76.4% |