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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 | $76,407+8.4% | $150,298-44.9% | $82,448+0.5% |
| Participation rate | 84.1% | 66.4%+17.7pp | 77.8%+6.3pp | 68.1%+16.0pp |
| Annual return | 14.46% | 39.99%-25.5pp | 62.79%-48.3pp | 41.64%-27.2pp |
| Employer contribution / active EE | $290 | $2,614-88.9% | $4,154-93.0% | $2,551-88.6% |
| Participant deferral / active EE | $2,163 | $3,214-32.7% | $5,453-60.3% | $4,139-47.7% |
| Admin fee / account holder | $4,024 | $6,352-36.7% | $14,116-71.5% | $7,234-44.4% |