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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 | $30,011 | $36,140-17.0% | $73,658-59.3% | $64,340-53.4% |
| Participation rate | 90.1% | 31.0%+59.1pp | 57.0%+33.1pp | 55.2%+34.9pp |
| Annual return | 15.02% | 21.48%-6.5pp | 29.72%-14.7pp | 24.14%-9.1pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,830 | $1,023+79.0% | $2,062-11.2% | $2,980-38.6% |
| Admin fee / account holder | $1,933 | $2,513-23.1% | $3,357-42.4% | $3,703-47.8% |