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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 | $58,848-80.0% | $88,179-86.7% | $82,637-85.8% |
| Participation rate | 75.8% | 57.9%+17.9pp | 69.1%+6.6pp | 68.1%+7.7pp |
| Annual return | 41.03% | 22.76%+18.3pp | 64.97%-23.9pp | 53.51%-12.5pp |
| Employer contribution / active EE | $0 | $1,678-100.0% | $2,549-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $7,840 | $3,124+151.0% | $4,614+69.9% | $4,126+90.0% |
| Admin fee / account holder | $1,437 | $4,795-70.0% | $7,673-81.3% | $7,339-80.4% |