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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 | $51,299 | $101,798-49.6% | $165,071-68.9% | $80,935-36.6% |
| Participation rate | 78.8% | 71.8%+7.0pp | 78.6%+0.2pp | 67.7%+11.2pp |
| Annual return | 12.77% | 16.73%-4.0pp | 70.17%-57.4pp | 35.66%-22.9pp |
| Employer contribution / active EE | $4 | $2,954-99.9% | $4,347-99.9% | $2,757-99.8% |
| Participant deferral / active EE | $3,250 | $4,476-27.4% | $6,035-46.1% | $4,299-24.4% |
| Admin fee / account holder | $2,046 | $8,221-75.1% | $12,695-83.9% | $6,924-70.4% |