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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 | $138,312-55.6% | $122,979-50.0% | $155,188-60.4% |
| Participation rate | 70.0% | 80.2%-10.2pp | 77.2%-7.2pp | 80.8%-10.8pp |
| Annual return | 15.82% | 22.06%-6.2pp | 20.12%-4.3pp | 148.84%-133.0pp |
| Employer contribution / active EE | $550 | $3,530-84.4% | $3,062-82.0% | $4,248-87.1% |
| Participant deferral / active EE | $8,240 | $5,592+47.3% | $5,003+64.7% | $6,531+26.2% |
| Admin fee / account holder | $489 | $15,089-96.8% | $12,864-96.2% | $14,480-96.6% |