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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 | $45,541 | $90,745-49.8% | $130,231-65.0% | $75,173-39.4% |
| Participation rate | 92.3% | 71.1%+21.3pp | 76.3%+16.0pp | 67.2%+25.1pp |
| Annual return | 15.97% | 34.45%-18.5pp | 38.86%-22.9pp | 160.72%-144.8pp |
| Employer contribution / active EE | $586 | $3,314-82.3% | $4,126-85.8% | $2,671-78.1% |
| Participant deferral / active EE | $2,165 | $5,362-59.6% | $6,799-68.2% | $4,126-47.5% |
| Admin fee / account holder | $4,194 | $6,331-33.8% | $6,020-30.3% | $5,651-25.8% |