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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 | $54,790 | $78,423-30.1% | $95,964-42.9% | $79,856-31.4% |
| Participation rate | 73.1% | 73.5%-0.4pp | 77.1%-4.0pp | 69.6%+3.4pp |
| Annual return | 16.23% | 19.37%-3.1pp | 91.64%-75.4pp | 31.71%-15.5pp |
| Employer contribution / active EE | $431 | $1,945-77.8% | $2,541-83.0% | $2,471-82.5% |
| Participant deferral / active EE | $1,793 | $3,440-47.9% | $4,167-57.0% | $3,741-52.1% |
| Admin fee / account holder | $4,896 | $5,622-12.9% | $6,797-28.0% | $5,306-7.7% |