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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 | $28,674 | $72,177-60.3% | $115,037-75.1% | $59,633-51.9% |
| Participation rate | 92.3% | 72.6%+19.8pp | 81.4%+10.9pp | 68.7%+23.6pp |
| Annual return | 1.62% | 12.02%-10.4pp | 26.14%-24.5pp | 2041.40%-2039.8pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,132 | $4,783+7.3% | $6,026-14.8% | $3,192+60.8% |
| Admin fee / account holder | $2,569 | $4,927-47.9% | $8,175-68.6% | $4,297-40.2% |