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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 | $61,464 | $167,415-63.3% | $140,514-56.3% | $198,609-69.1% |
| Participation rate | 70.0% | 80.9%-10.9pp | 77.8%-7.8pp | 82.4%-12.4pp |
| Annual return | 15.82% | 13.85%+2.0pp | 14.36%+1.5pp | 202.70%-186.9pp |
| Employer contribution / active EE | $550 | $4,088-86.5% | $3,378-83.7% | $5,055-89.1% |
| Participant deferral / active EE | $8,240 | $5,579+47.7% | $4,919+67.5% | $6,977+18.1% |
| Admin fee / account holder | $489 | $16,730-97.1% | $13,697-96.4% | $19,030-97.4% |