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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 | $29,307 | $48,364-39.4% | $71,796-59.2% | $62,881-53.4% |
| Participation rate | 85.7% | 60.6%+25.1pp | 69.1%+16.6pp | 69.3%+16.4pp |
| Annual return | 7.01% | 13.16%-6.2pp | 78.04%-71.0pp | 20.14%-13.1pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,500 | $2,091+115.2% | $2,794+61.0% | $3,203+40.5% |
| Admin fee / account holder | $907 | $3,771-75.9% | $4,815-81.2% | $4,296-78.9% |