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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 | $36,791 | $79,209-53.6% | $102,434-64.1% | $74,459-50.6% |
| Participation rate | 80.8% | 74.8%+6.0pp | 76.5%+4.3pp | 67.2%+13.5pp |
| Annual return | 16.02% | 54.98%-39.0pp | 29.46%-13.4pp | 1369.70%-1353.7pp |
| Employer contribution / active EE | $459 | $2,362-80.6% | $3,023-84.8% | $2,626-82.5% |
| Participant deferral / active EE | $2,790 | $4,417-36.8% | $5,055-44.8% | $4,350-35.9% |
| Admin fee / account holder | $2,334 | $2,002+16.6% | $9,462-75.3% | $1,945+20.0% |