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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 | $41,759 | $97,881-57.3% | $80,004-47.8% | $125,389-66.7% |
| Participation rate | 71.4% | 77.9%-6.4pp | 73.0%-1.6pp | 83.2%-11.8pp |
| Annual return | -2.67% | 9.36%-12.0pp | 7.63%-10.3pp | 282.24%-284.9pp |
| Employer contribution / active EE | $81 | $3,128-97.4% | $2,473-96.7% | $4,866-98.3% |
| Participant deferral / active EE | $1,338 | $3,744-64.3% | $3,204-58.2% | $5,352-75.0% |
| Admin fee / account holder | $335 | $6,278-94.7% | $5,033-93.3% | $9,541-96.5% |