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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 | $49,961 | $49,280+1.4% | $67,313-25.8% | $64,173-22.1% |
| Participation rate | 84.4% | 60.8%+23.6pp | 69.1%+15.3pp | 69.6%+14.8pp |
| Annual return | -4.19% | -1.39%-2.8pp | -4.08%-0.1pp | 7.63%-11.8pp |
| Employer contribution / active EE | $171 | $1,668-89.8% | $2,566-93.4% | $2,381-92.8% |
| Participant deferral / active EE | $3,889 | $2,484+56.5% | $3,568+9.0% | $3,470+12.1% |
| Admin fee / account holder | $15,745 | $3,863+307.6% | $4,507+249.4% | $4,887+222.1% |