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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 | $37,751 | $93,346-59.6% | $71,796-47.4% | $273,972-86.2% |
| Participation rate | 88.9% | 76.5%+12.4pp | 69.1%+19.8pp | 83.0%+5.9pp |
| Annual return | 3.01% | 130.39%-127.4pp | 78.04%-75.0pp | 41.46%-38.4pp |
| Employer contribution / active EE | $0 | $2,733-100.0% | $1,924-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,298 | $3,475-62.7% | $2,794-53.6% | $5,287-75.5% |
| Admin fee / account holder | $323 | $6,571-95.1% | $4,815-93.3% | $10,133-96.8% |