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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 | $54,421 | $132,310-58.9% | $105,754-48.5% | $273,972-80.1% |
| Participation rate | 100.0% | 83.2%+16.8pp | 78.9%+21.1pp | 83.0%+17.0pp |
| Annual return | 4.48% | 10.08%-5.6pp | 12.25%-7.8pp | 41.46%-37.0pp |
| Employer contribution / active EE | $988 | $4,867-79.7% | $4,079-75.8% | $4,869-79.7% |
| Participant deferral / active EE | $3,976 | $6,233-36.2% | $5,326-25.3% | $5,287-24.8% |
| Admin fee / account holder | $1,797 | $12,036-85.1% | $8,309-78.4% | $10,133-82.3% |