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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 | $99,324 | $156,616-36.6% | $133,346-25.5% | $198,609-50.0% |
| Participation rate | 80.0% | 77.7%+2.3pp | 72.8%+7.2pp | 82.4%-2.4pp |
| Annual return | 14.22% | 44.25%-30.0pp | 36.85%-22.6pp | 202.70%-188.5pp |
| Employer contribution / active EE | $318 | $3,368-90.6% | $2,853-88.9% | $5,055-93.7% |
| Participant deferral / active EE | $1,979 | $4,920-59.8% | $4,332-54.3% | $6,977-71.6% |
| Admin fee / account holder | $3,346 | $17,468-80.8% | $14,264-76.5% | $19,030-82.4% |