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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 | $52,680 | $78,423-32.8% | $95,964-45.1% | $79,856-34.0% |
| Participation rate | 90.6% | 73.5%+17.1pp | 77.1%+13.5pp | 69.6%+21.0pp |
| Annual return | 19.10% | 19.37%-0.3pp | 91.64%-72.5pp | 31.71%-12.6pp |
| Employer contribution / active EE | $313 | $1,945-83.9% | $2,541-87.7% | $2,471-87.3% |
| Participant deferral / active EE | $1,754 | $3,440-49.0% | $4,167-57.9% | $3,741-53.1% |
| Admin fee / account holder | $2,156 | $5,622-61.7% | $6,797-68.3% | $5,306-59.4% |