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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 | $19,739 | $68,878-71.3% | $120,574-83.6% | $80,935-75.6% |
| Participation rate | 75.0% | 61.7%+13.3pp | 71.9%+3.1pp | 67.7%+7.3pp |
| Annual return | 13.85% | 23.67%-9.8pp | 107.42%-93.6pp | 35.66%-21.8pp |
| Employer contribution / active EE | $505 | $2,065-75.5% | $3,471-85.4% | $2,757-81.7% |
| Participant deferral / active EE | $1,478 | $3,189-53.6% | $4,996-70.4% | $4,299-65.6% |
| Admin fee / account holder | $654 | $5,782-88.7% | $9,445-93.1% | $6,924-90.6% |