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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 | $28,723 | $51,207-43.9% | $70,565-59.3% | $75,177-61.8% |
| Participation rate | 70.0% | 61.0%+9.0pp | 68.4%+1.6pp | 67.2%+2.8pp |
| Annual return | 18.49% | 30.05%-11.6pp | 32.79%-14.3pp | 160.75%-142.3pp |
| Employer contribution / active EE | $61 | $1,826-96.7% | $2,976-98.0% | $2,671-97.7% |
| Participant deferral / active EE | $1,218 | $2,850-57.3% | $4,568-73.3% | $4,126-70.5% |
| Admin fee / account holder | $15,146 | $4,097+269.6% | $6,430+135.6% | $5,651+168.0% |