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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 | $39,245 | $127,387-69.2% | $115,038-65.9% | $125,389-68.7% |
| Participation rate | 94.4% | 84.2%+10.3pp | 81.4%+13.1pp | 83.2%+11.3pp |
| Annual return | -0.58% | 31.28%-31.9pp | 26.14%-26.7pp | 282.24%-282.8pp |
| Employer contribution / active EE | $48 | $5,166-99.1% | $4,608-99.0% | $4,866-99.0% |
| Participant deferral / active EE | $3,144 | $6,423-51.0% | $6,026-47.8% | $5,352-41.2% |
| Admin fee / account holder | $1,547 | $9,516-83.7% | $8,175-81.1% | $9,541-83.8% |