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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 | $59,023 | $163,687-63.9% | $108,745-45.7% | $273,972-78.5% |
| Participation rate | 100.0% | 82.3%+17.7pp | 77.7%+22.3pp | 83.0%+17.0pp |
| Annual return | 1.87% | 31.16%-29.3pp | 46.22%-44.3pp | 41.46%-39.6pp |
| Employer contribution / active EE | $15 | $4,711-99.7% | $3,323-99.5% | $4,869-99.7% |
| Participant deferral / active EE | $6,864 | $7,155-4.1% | $5,121+34.0% | $5,287+29.8% |
| Admin fee / account holder | $536 | $12,890-95.8% | $6,144-91.3% | $10,133-94.7% |