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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 | $42,199 | $53,128-20.6% | $86,581-51.3% | $70,124-39.8% |
| Participation rate | 77.8% | 65.3%+12.5pp | 73.5%+4.2pp | 69.5%+8.2pp |
| Annual return | 23.18% | 27.66%-4.5pp | 965.06%-941.9pp | 73.14%-50.0pp |
| Employer contribution / active EE | $185 | $2,068-91.0% | $2,840-93.5% | $2,342-92.1% |
| Participant deferral / active EE | $3,247 | $2,695+20.5% | $3,609-10.0% | $3,332-2.6% |
| Admin fee / account holder | $1,213 | $3,584-66.1% | $4,904-75.3% | $4,645-73.9% |