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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 | $42,830 | $67,602-36.6% | $82,312-48.0% | $70,126-38.9% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 13.28% | 21.57%-8.3pp | 25.88%-12.6pp | 73.15%-59.9pp |
| Employer contribution / active EE | $181 | $1,755-89.7% | $2,428-92.6% | $2,343-92.3% |
| Participant deferral / active EE | $2,039 | $2,987-31.7% | $3,706-45.0% | $3,332-38.8% |
| Admin fee / account holder | $776 | $4,512-82.8% | $5,608-86.2% | $4,645-83.3% |