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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 | $46,644 | $106,247-56.1% | $96,515-51.7% | $139,466-66.6% |
| Participation rate | 80.0% | 77.8%+2.2pp | 74.3%+5.7pp | 80.3%-0.3pp |
| Annual return | 12.03% | 38.47%-26.4pp | 35.73%-23.7pp | 373.66%-361.6pp |
| Employer contribution / active EE | $526 | $4,106-87.2% | $3,740-85.9% | $4,754-88.9% |
| Participant deferral / active EE | $4,951 | $5,456-9.3% | $4,880+1.5% | $6,712-26.2% |
| Admin fee / account holder | $1,529 | $7,885-80.6% | $6,735-77.3% | $11,409-86.6% |