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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 | $54,899 | $78,682-30.2% | $109,188-49.7% | $85,851-36.1% |
| Participation rate | 97.1% | 68.3%+28.8pp | 75.9%+21.2pp | 69.3%+27.7pp |
| Annual return | 19.60% | 25.09%-5.5pp | 25.76%-6.2pp | 318.63%-299.0pp |
| Employer contribution / active EE | $507 | $2,734-81.5% | $3,723-86.4% | $2,565-80.2% |
| Participant deferral / active EE | $5,200 | $3,468+50.0% | $4,654+11.7% | $3,952+31.6% |
| Admin fee / account holder | $5,302 | $5,470-3.1% | $6,755-21.5% | $6,261-15.3% |