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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 | $2,545 | $25,014-89.8% | $69,623-96.3% | $80,935-96.9% |
| Participation rate | 90.9% | 64.2%+26.7pp | 66.4%+24.5pp | 67.7%+23.2pp |
| Annual return | 16.63% | 19.08%-2.5pp | 101.23%-84.6pp | 35.66%-19.0pp |
| Employer contribution / active EE | $218 | $991-78.0% | $1,709-87.2% | $2,757-92.1% |
| Participant deferral / active EE | $1,287 | $1,840-30.0% | $2,890-55.5% | $4,299-70.1% |
| Admin fee / account holder | $683 | $2,491-72.6% | $4,696-85.5% | $6,924-90.1% |