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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 | $26,168 | $141,004-81.4% | $112,273-76.7% | $139,456-81.2% |
| Participation rate | 80.0% | 79.2%+0.8pp | 72.4%+7.6pp | 80.3%-0.3pp |
| Annual return | 9.69% | 32.75%-23.1pp | 30.23%-20.5pp | 373.45%-363.8pp |
| Employer contribution / active EE | $693 | $4,285-83.8% | $3,431-79.8% | $4,753-85.4% |
| Participant deferral / active EE | $2,693 | $5,878-54.2% | $4,800-43.9% | $6,711-59.9% |
| Admin fee / account holder | $13,218 | $9,959+32.7% | $7,752+70.5% | $11,407+15.9% |