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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 | $63,264 | $104,251-39.3% | $91,004-30.5% | $147,586-57.1% |
| Participation rate | 77.3% | 78.2%-1.0pp | 75.6%+1.7pp | 82.8%-5.6pp |
| Annual return | 18.39% | 27.06%-8.7pp | 4.60%+13.8pp | 578.59%-560.2pp |
| Employer contribution / active EE | $213 | $3,116-93.2% | $2,456-91.3% | $4,876-95.6% |
| Participant deferral / active EE | $1,657 | $4,195-60.5% | $3,548-53.3% | $5,439-69.5% |
| Admin fee / account holder | $518 | $8,948-94.2% | $5,417-90.4% | $10,886-95.2% |