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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 | $32,897 | $115,225-71.4% | $100,712-67.3% | $138,895-76.3% |
| Participation rate | 75.0% | 74.3%+0.7pp | 69.3%+5.7pp | 79.9%-4.9pp |
| Annual return | 23.43% | 40.35%-16.9pp | 33.27%-9.8pp | 145.39%-122.0pp |
| Employer contribution / active EE | -$137 | $2,771-104.9% | $2,313-105.9% | $4,194-103.3% |
| Participant deferral / active EE | $2,202 | $4,699-53.1% | $4,085-46.1% | $6,396-65.6% |
| Admin fee / account holder | $955 | $10,844-91.2% | $9,256-89.7% | $12,562-92.4% |