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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 | $44,311 | $46,534-4.8% | $64,097-30.9% | $75,177-41.1% |
| Participation rate | 100.0% | 65.9%+34.1pp | 72.3%+27.7pp | 67.2%+32.8pp |
| Annual return | 20.55% | 26.07%-5.5pp | 33.75%-13.2pp | 160.75%-140.2pp |
| Employer contribution / active EE | $0 | $1,976-100.0% | $2,750-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $879 | $2,835-69.0% | $3,881-77.4% | $4,126-78.7% |
| Admin fee / account holder | $1,914 | $2,957-35.3% | $3,070-37.7% | $5,651-66.1% |