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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 | $47,271 | $48,053-1.6% | $84,623-44.1% | $72,983-35.2% |
| Participation rate | 78.4% | 57.6%+20.8pp | 68.2%+10.1pp | 69.5%+8.9pp |
| Annual return | 18.59% | 37.39%-18.8pp | 258.77%-240.2pp | 81.01%-62.4pp |
| Employer contribution / active EE | $193 | $1,602-88.0% | $2,652-92.7% | $2,440-92.1% |
| Participant deferral / active EE | $1,710 | $2,681-36.2% | $3,899-56.1% | $3,608-52.6% |
| Admin fee / account holder | $6,476 | $3,395+90.7% | $4,913+31.8% | $5,124+26.4% |