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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 | $41,507 | $98,776-58.0% | $149,745-72.3% | $79,856-48.0% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.5%-2.5pp | 69.6%+10.4pp |
| Annual return | 14.37% | 27.38%-13.0pp | 276.72%-262.4pp | 31.71%-17.3pp |
| Employer contribution / active EE | $427 | $3,217-86.7% | $4,646-90.8% | $2,471-82.7% |
| Participant deferral / active EE | $4,741 | $5,681-16.6% | $6,843-30.7% | $3,741+26.7% |
| Admin fee / account holder | $6,933 | $6,053+14.5% | $9,312-25.5% | $5,306+30.6% |