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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 | $49,357 | $55,902-11.7% | $76,030-35.1% | $80,959-39.0% |
| Participation rate | 88.4% | 62.1%+26.3pp | 69.1%+19.3pp | 67.7%+20.7pp |
| Annual return | 11.08% | 20.59%-9.5pp | 361.54%-350.5pp | 35.67%-24.6pp |
| Employer contribution / active EE | $264 | $1,867-85.8% | $2,688-90.2% | $2,757-90.4% |
| Participant deferral / active EE | $7,178 | $3,051+135.3% | $4,257+68.6% | $4,300+66.9% |
| Admin fee / account holder | $6,235 | $5,239+19.0% | $6,421-2.9% | $6,925-10.0% |