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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 | $11,771 | $57,590-79.6% | $86,233-86.3% | $82,448-85.7% |
| Participation rate | 75.8% | 57.9%+17.9pp | 69.0%+6.7pp | 68.1%+7.7pp |
| Annual return | 41.03% | 22.41%+18.6pp | 61.39%-20.4pp | 41.64%-0.6pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $7,840 | $3,080+154.5% | $4,559+72.0% | $4,139+89.4% |
| Admin fee / account holder | $1,437 | $4,730-69.6% | $8,342-82.8% | $7,234-80.1% |