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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 | $47,323 | $153,311-69.1% | $109,313-56.7% | $273,972-82.7% |
| Participation rate | 100.0% | 80.1%+19.9pp | 71.3%+28.7pp | 83.0%+17.0pp |
| Annual return | 3.53% | 29.86%-26.3pp | 22.07%-18.5pp | 41.46%-37.9pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,288 | $3,932-41.8% | $3,166-27.7% | $5,287-56.7% |
| Admin fee / account holder | $13,815 | $8,076+71.1% | $5,666+143.8% | $10,133+36.3% |