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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 | $50,780 | $88,707-42.8% | $74,184-31.5% | $273,972-81.5% |
| Participation rate | 76.2% | 79.4%-3.3pp | 76.6%-0.4pp | 83.0%-6.8pp |
| Annual return | 9.24% | 11.94%-2.7pp | 17.74%-8.5pp | 41.46%-32.2pp |
| Employer contribution / active EE | $450 | $3,159-85.8% | $2,370-81.0% | $4,869-90.8% |
| Participant deferral / active EE | $1,812 | $4,212-57.0% | $3,550-49.0% | $5,287-65.7% |
| Admin fee / account holder | $7,520 | $8,717-13.7% | $5,586+34.6% | $10,133-25.8% |