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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 | $45,224 | $71,878-37.1% | $86,698-47.8% | $68,486-34.0% |
| Participation rate | 77.4% | 72.2%+5.1pp | 76.6%+0.8pp | 67.9%+9.5pp |
| Annual return | -18.44% | 3.53%-22.0pp | 35.95%-54.4pp | -7.85%-10.6pp |
| Employer contribution / active EE | $406 | $2,173-81.3% | $2,837-85.7% | $2,597-84.4% |
| Participant deferral / active EE | $2,747 | $3,779-27.3% | $4,656-41.0% | $4,028-31.8% |
| Admin fee / account holder | $1,549 | $6,113-74.7% | $7,493-79.3% | $5,404-71.3% |