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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 | $82,820 | $86,050-3.8% | $189,758-56.4% | $94,015-11.9% |
| Participation rate | 84.1% | 68.9%+15.2pp | 79.8%+4.3pp | 70.8%+13.3pp |
| Annual return | 14.46% | 17.77%-3.3pp | 52.62%-38.2pp | 17.84%-3.4pp |
| Employer contribution / active EE | $290 | $2,819-89.7% | $4,767-93.9% | $2,790-89.6% |
| Participant deferral / active EE | $2,163 | $3,349-35.4% | $5,856-63.1% | $4,249-49.1% |
| Admin fee / account holder | $4,024 | $6,627-39.3% | $20,388-80.3% | $8,951-55.0% |