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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 | $7,489 | $87,166-91.4% | $76,735-90.2% | $137,256-94.5% |
| Participation rate | 88.9% | 74.4%+14.5pp | 69.5%+19.4pp | 80.0%+8.9pp |
| Annual return | 13.62% | 26.50%-12.9pp | 29.77%-16.1pp | 220.34%-206.7pp |
| Employer contribution / active EE | $416 | $2,904-85.7% | $2,454-83.0% | $4,156-90.0% |
| Participant deferral / active EE | $2,559 | $4,726-45.9% | $4,088-37.4% | $6,407-60.1% |
| Admin fee / account holder | $1,793 | $8,403-78.7% | $7,189-75.1% | $12,270-85.4% |