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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 | $29,594 | $57,590-48.6% | $86,233-65.7% | $82,448-64.1% |
| Participation rate | 90.7% | 57.9%+32.8pp | 69.0%+21.7pp | 68.1%+22.6pp |
| Annual return | 18.97% | 22.41%-3.4pp | 61.39%-42.4pp | 41.64%-22.7pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,981 | $3,080+61.7% | $4,559+9.2% | $4,139+20.3% |
| Admin fee / account holder | $5,318 | $4,730+12.4% | $8,342-36.2% | $7,234-26.5% |