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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 | $32,980 | $78,690-58.1% | $161,489-79.6% | $87,485-62.3% |
| Participation rate | 91.7% | 67.5%+24.2pp | 78.7%+13.0pp | 68.9%+22.7pp |
| Annual return | 12.69% | 32.74%-20.0pp | 89.72%-77.0pp | 26.06%-13.4pp |
| Employer contribution / active EE | $246 | $2,588-90.5% | $4,268-94.2% | $2,596-90.5% |
| Participant deferral / active EE | $1,951 | $3,311-41.1% | $5,630-65.3% | $4,274-54.3% |
| Admin fee / account holder | $1,984 | $6,724-70.5% | $16,006-87.6% | $7,775-74.5% |