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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 | $45,824 | $89,370-48.7% | $141,197-67.5% | $72,976-37.2% |
| Participation rate | 74.5% | 75.1%-0.6pp | 82.5%-7.9pp | 69.5%+5.1pp |
| Annual return | 22.86% | 111.88%-89.0pp | 71.41%-48.5pp | 81.02%-58.2pp |
| Employer contribution / active EE | $77 | $3,115-97.5% | $4,736-98.4% | $2,440-96.8% |
| Participant deferral / active EE | $5,000 | $5,419-7.7% | $6,710-25.5% | $3,608+38.6% |
| Admin fee / account holder | $4,782 | $5,957-19.7% | $10,265-53.4% | $5,124-6.7% |