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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 | $19,529 | $61,166-68.1% | $185,837-89.5% | $79,393-75.4% |
| Participation rate | 91.3% | 66.6%+24.6pp | 81.7%+9.6pp | 70.7%+20.6pp |
| Annual return | 18.25% | 19.45%-1.2pp | 122.08%-103.8pp | 116.87%-98.6pp |
| Employer contribution / active EE | $245 | $2,321-89.4% | $5,168-95.3% | $2,428-89.9% |
| Participant deferral / active EE | $4,444 | $2,789+59.4% | $5,568-20.2% | $4,046+9.9% |
| Admin fee / account holder | $3,219 | $710+353.5% | $16,241-80.2% | $627+413.8% |