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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 | $48,857 | $111,814-56.3% | $103,378-52.7% | $145,978-66.5% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.5%+13.0pp | 80.3%+7.2pp |
| Annual return | 9.46% | 24.80%-15.3pp | 24.91%-15.4pp | 550.52%-541.1pp |
| Employer contribution / active EE | $509 | $4,215-87.9% | $3,870-86.9% | $4,662-89.1% |
| Participant deferral / active EE | $4,719 | $5,618-16.0% | $5,058-6.7% | $6,690-29.5% |
| Admin fee / account holder | $1,827 | $9,764-81.3% | $8,401-78.3% | $13,400-86.4% |