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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 | $51,877 | $77,817-33.3% | $123,553-58.0% | $64,173-19.2% |
| Participation rate | 85.2% | 74.7%+10.5pp | 82.3%+2.9pp | 69.6%+15.6pp |
| Annual return | 0.24% | 12.49%-12.2pp | 119.21%-119.0pp | 7.63%-7.4pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,695 | $5,240-29.5% | $6,426-42.5% | $3,470+6.5% |
| Admin fee / account holder | $7,475 | $5,519+35.4% | $9,284-19.5% | $4,887+53.0% |