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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 | $37,853 | $83,485-54.7% | $125,192-69.8% | $72,975-48.1% |
| Participation rate | 78.6% | 73.3%+5.3pp | 79.8%-1.2pp | 69.5%+9.1pp |
| Annual return | 0.00% | 25.77%-25.8pp | 43.79%-43.8pp | 81.01%-81.0pp |
| Employer contribution / active EE | $241 | $2,346-89.7% | $3,866-93.8% | $2,440-90.1% |
| Participant deferral / active EE | $1,967 | $3,586-45.2% | $4,937-60.2% | $3,608-45.5% |
| Admin fee / account holder | $4,252 | $5,518-22.9% | $9,704-56.2% | $5,124-17.0% |