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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 | $93,345-40.9% | $119,126-53.7% | $87,485-36.9% |
| Participation rate | 84.0% | 68.7%+15.3pp | 75.8%+8.2pp | 68.9%+15.1pp |
| Annual return | 15.17% | 19.08%-3.9pp | 282.11%-266.9pp | 26.06%-10.9pp |
| Employer contribution / active EE | $780 | $3,172-75.4% | $4,034-80.7% | $2,596-70.0% |
| Participant deferral / active EE | $2,725 | $4,099-33.5% | $5,318-48.8% | $4,274-36.2% |
| Admin fee / account holder | $3,801 | $8,039-52.7% | $10,693-64.5% | $7,775-51.1% |