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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 | $40,852 | $110,240-62.9% | $96,544-57.7% | $139,487-70.7% |
| Participation rate | 83.3% | 78.1%+5.2pp | 76.0%+7.3pp | 80.3%+3.0pp |
| Annual return | 22.50% | 26.41%-3.9pp | 25.88%-3.4pp | 373.84%-351.3pp |
| Employer contribution / active EE | $586 | $3,622-83.8% | $2,966-80.3% | $4,755-87.7% |
| Participant deferral / active EE | $7,141 | $5,549+28.7% | $4,851+47.2% | $6,713+6.4% |
| Admin fee / account holder | $532 | $11,602-95.4% | $8,254-93.6% | $11,407-95.3% |