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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 | $25,083 | $54,162-53.7% | $68,612-63.4% | $64,173-60.9% |
| Participation rate | 85.7% | 68.1%+17.7pp | 72.2%+13.5pp | 69.6%+16.1pp |
| Annual return | -3.39% | -1.62%-1.8pp | -4.63%+1.2pp | 7.63%-11.0pp |
| Employer contribution / active EE | $96 | $1,846-94.8% | $2,625-96.3% | $2,381-96.0% |
| Participant deferral / active EE | $1,001 | $2,626-61.9% | $3,311-69.8% | $3,470-71.1% |
| Admin fee / account holder | $2,758 | $4,029-31.5% | $5,131-46.2% | $4,887-43.6% |