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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 | $59,417 | $124,330-52.2% | $109,173-45.6% | $167,536-64.5% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.48% | 26.04%-13.6pp | 25.75%-13.3pp | 478.82%-466.3pp |
| Employer contribution / active EE | $17 | $4,209-99.6% | $3,723-99.6% | $4,839-99.7% |
| Participant deferral / active EE | $2,700 | $5,256-48.6% | $4,654-42.0% | $6,342-57.4% |
| Admin fee / account holder | $477 | $7,974-94.0% | $6,755-92.9% | $12,315-96.1% |