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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 | $30,913 | $86,919-64.4% | $102,457-69.8% | $80,911-61.8% |
| Participation rate | 96.7% | 72.4%+24.3pp | 76.5%+20.2pp | 67.6%+29.0pp |
| Annual return | 13.36% | 18.90%-5.5pp | 29.41%-16.0pp | 35.63%-22.3pp |
| Employer contribution / active EE | $73 | $2,368-96.9% | $3,022-97.6% | $2,756-97.4% |
| Participant deferral / active EE | $1,844 | $4,119-55.2% | $5,054-63.5% | $4,297-57.1% |
| Admin fee / account holder | $1,331 | $8,049-83.5% | $9,451-85.9% | $6,935-80.8% |