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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 | $24,881 | $72,273-65.6% | $101,275-75.4% | $79,856-68.8% |
| Participation rate | 86.4% | 68.5%+17.9pp | 75.8%+10.6pp | 69.6%+16.7pp |
| Annual return | 21.54% | 22.30%-0.8pp | 46.48%-24.9pp | 31.71%-10.2pp |
| Employer contribution / active EE | $14 | $2,691-99.5% | $3,660-99.6% | $2,471-99.5% |
| Participant deferral / active EE | $2,504 | $3,282-23.7% | $4,371-42.7% | $3,741-33.1% |
| Admin fee / account holder | $593 | $4,401-86.5% | $5,948-90.0% | $5,306-88.8% |