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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 | $124,980-73.7% | $108,359-69.6% | $154,746-78.7% |
| Participation rate | 75.0% | 75.2%-0.2pp | 70.1%+4.9pp | 80.7%-5.7pp |
| Annual return | 23.43% | 45.00%-21.6pp | 36.89%-13.5pp | 172.34%-148.9pp |
| Employer contribution / active EE | -$137 | $2,851-104.8% | $2,399-105.7% | $4,379-103.1% |
| Participant deferral / active EE | $2,202 | $4,743-53.6% | $4,137-46.8% | $6,730-67.3% |
| Admin fee / account holder | $955 | $11,502-91.7% | $9,741-90.2% | $14,365-93.4% |