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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 | $42,447 | $64,719-34.4% | $112,249-62.2% | $68,486-38.0% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | 2.63% | -11.40%+14.0pp | 27.48%-24.9pp | -7.85%+10.5pp |
| Employer contribution / active EE | $429 | $2,747-84.4% | $3,636-88.2% | $2,597-83.5% |
| Participant deferral / active EE | $2,540 | $3,565-28.8% | $4,729-46.3% | $4,028-36.9% |
| Admin fee / account holder | $687 | $5,232-86.9% | $6,412-89.3% | $5,404-87.3% |