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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 | $37,183 | $72,177-48.5% | $115,038-67.7% | $59,633-37.6% |
| Participation rate | 88.6% | 72.6%+16.0pp | 81.4%+7.2pp | 68.7%+19.9pp |
| Annual return | 3.77% | 12.02%-8.2pp | 26.14%-22.4pp | 2041.45%-2037.7pp |
| Employer contribution / active EE | $340 | $2,841-88.0% | $4,608-92.6% | $2,203-84.5% |
| Participant deferral / active EE | $6,309 | $4,783+31.9% | $6,026+4.7% | $3,192+97.7% |
| Admin fee / account holder | $6,588 | $4,927+33.7% | $8,175-19.4% | $4,297+53.3% |