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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 | $2,771 | $29,051-90.5% | $52,425-94.7% | $67,986-95.9% |
| Participation rate | 80.7% | 30.4%+50.2pp | 55.6%+25.0pp | 57.2%+23.5pp |
| Annual return | 21.68% | 24.00%-2.3pp | 302.12%-280.4pp | 31.67%-10.0pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,044 | $873+19.6% | $1,790-41.7% | $3,358-68.9% |
| Admin fee / account holder | $463 | $2,113-78.1% | $2,495-81.5% | $3,203-85.6% |