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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 | $6,336 | $51,638-87.7% | $68,368-90.7% | $82,448-92.3% |
| Participation rate | 77.8% | 63.6%+14.2pp | 73.8%+4.0pp | 68.1%+9.7pp |
| Annual return | 21.58% | 37.53%-16.0pp | 292.57%-271.0pp | 41.64%-20.1pp |
| Employer contribution / active EE | $186 | $2,047-90.9% | $2,649-93.0% | $2,551-92.7% |
| Participant deferral / active EE | $1,084 | $2,914-62.8% | $4,123-73.7% | $4,139-73.8% |
| Admin fee / account holder | $530 | $4,643-88.6% | $5,150-89.7% | $7,234-92.7% |