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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 | $43,043 | $95,415-54.9% | $185,851-76.8% | $85,851-49.9% |
| Participation rate | 97.1% | 68.8%+28.3pp | 81.7%+15.4pp | 69.3%+27.7pp |
| Annual return | 16.09% | 23.59%-7.5pp | 122.11%-106.0pp | 318.63%-302.5pp |
| Employer contribution / active EE | $56 | $3,314-98.3% | $5,168-98.9% | $2,565-97.8% |
| Participant deferral / active EE | $4,030 | $3,424+17.7% | $5,569-27.6% | $3,952+2.0% |
| Admin fee / account holder | $397 | $7,215-94.5% | $16,245-97.6% | $6,261-93.7% |