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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 | $40,567 | $93,617-56.7% | $135,982-70.2% | $75,177-46.0% |
| Participation rate | 86.4% | 75.2%+11.2pp | 81.9%+4.4pp | 67.2%+19.2pp |
| Annual return | 31.82% | 30.89%+0.9pp | 68.32%-36.5pp | 160.75%-128.9pp |
| Employer contribution / active EE | $104 | $3,538-97.1% | $4,859-97.9% | $2,671-96.1% |
| Participant deferral / active EE | $10,078 | $6,406+57.3% | $7,760+29.9% | $4,126+144.2% |
| Admin fee / account holder | $473 | $6,980-93.2% | $10,767-95.6% | $5,651-91.6% |