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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 | $55,195 | $88,672-37.8% | $105,223-47.5% | $82,448-33.1% |
| Participation rate | 84.0% | 67.9%+16.1pp | 75.0%+9.0pp | 68.1%+15.9pp |
| Annual return | 15.17% | 30.86%-15.7pp | 180.65%-165.5pp | 41.64%-26.5pp |
| Employer contribution / active EE | $780 | $3,048-74.4% | $3,689-78.9% | $2,551-69.4% |
| Participant deferral / active EE | $2,725 | $4,036-32.5% | $5,072-46.3% | $4,139-34.2% |
| Admin fee / account holder | $3,801 | $7,146-46.8% | $8,859-57.1% | $7,234-47.5% |