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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 | $136,860-55.1% | $120,344-48.9% | $154,746-60.3% |
| Participation rate | 70.0% | 79.9%-9.9pp | 76.7%-6.7pp | 80.7%-10.7pp |
| Annual return | 15.82% | 21.38%-5.6pp | 20.30%-4.5pp | 172.34%-156.5pp |
| Employer contribution / active EE | $550 | $3,533-84.4% | $3,020-81.8% | $4,379-87.4% |
| Participant deferral / active EE | $8,240 | $5,793+42.2% | $5,135+60.5% | $6,730+22.4% |
| Admin fee / account holder | $489 | $15,393-96.8% | $12,742-96.2% | $14,365-96.6% |