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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 | $47,090 | $96,731-51.3% | $123,973-62.0% | $86,983-45.9% |
| Participation rate | 73.1% | 70.0%+3.1pp | 76.7%-3.6pp | 69.5%+3.5pp |
| Annual return | 12.98% | 17.33%-4.3pp | 388.13%-375.1pp | 25.83%-12.9pp |
| Employer contribution / active EE | $367 | $3,297-88.9% | $4,126-91.1% | $2,584-85.8% |
| Participant deferral / active EE | $3,168 | $4,152-23.7% | $5,247-39.6% | $4,194-24.5% |
| Admin fee / account holder | $2,230 | $8,722-74.4% | $11,799-81.1% | $7,856-71.6% |