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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 | $42,001 | $104,251-59.7% | $91,004-53.8% | $147,586-71.5% |
| Participation rate | 79.2% | 78.2%+0.9pp | 75.6%+3.6pp | 82.8%-3.7pp |
| Annual return | 12.52% | 27.06%-14.5pp | 4.60%+7.9pp | 578.59%-566.1pp |
| Employer contribution / active EE | $78 | $3,116-97.5% | $2,456-96.8% | $4,876-98.4% |
| Participant deferral / active EE | $2,833 | $4,195-32.5% | $3,548-20.2% | $5,439-47.9% |
| Admin fee / account holder | $385 | $8,948-95.7% | $5,417-92.9% | $10,886-96.5% |