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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 | $54,974 | $93,598-41.3% | $135,974-59.6% | $75,173-26.9% |
| Participation rate | 80.6% | 75.2%+5.5pp | 81.9%-1.3pp | 67.2%+13.4pp |
| Annual return | 16.26% | 30.89%-14.6pp | 68.30%-52.0pp | 160.72%-144.5pp |
| Employer contribution / active EE | $271 | $3,538-92.3% | $4,859-94.4% | $2,671-89.8% |
| Participant deferral / active EE | $5,427 | $6,405-15.3% | $7,760-30.1% | $4,126+31.5% |
| Admin fee / account holder | $1,575 | $6,978-77.4% | $10,767-85.4% | $5,651-72.1% |