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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 | $45,615 | $77,816-41.4% | $123,552-63.1% | $64,173-28.9% |
| Participation rate | 98.0% | 74.7%+23.2pp | 82.3%+15.7pp | 69.6%+28.4pp |
| Annual return | -4.88% | 12.49%-17.4pp | 119.20%-124.1pp | 7.63%-12.5pp |
| Employer contribution / active EE | $131 | $3,014-95.7% | $4,628-97.2% | $2,381-94.5% |
| Participant deferral / active EE | $9,180 | $5,240+75.2% | $6,426+42.9% | $3,470+164.6% |
| Admin fee / account holder | $3,625 | $5,519-34.3% | $9,285-61.0% | $4,887-25.8% |