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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 | $25,017 | $58,828-57.5% | $78,002-67.9% | $62,881-60.2% |
| Participation rate | 81.5% | 71.1%+10.5pp | 75.5%+6.0pp | 69.3%+12.2pp |
| Annual return | 8.30% | 17.16%-8.9pp | 425.99%-417.7pp | 20.14%-11.8pp |
| Employer contribution / active EE | $273 | $1,672-83.7% | $2,470-89.0% | $2,281-88.0% |
| Participant deferral / active EE | $1,229 | $2,686-54.3% | $3,497-64.9% | $3,203-61.6% |
| Admin fee / account holder | $3,601 | $4,393-18.0% | $5,481-34.3% | $4,296-16.2% |