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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 | $38,961 | $72,486-46.3% | $87,103-55.3% | $72,976-46.6% |
| Participation rate | 76.7% | 72.8%+3.9pp | 76.9%-0.2pp | 69.5%+7.2pp |
| Annual return | 16.50% | 24.46%-8.0pp | 28.19%-11.7pp | 81.02%-64.5pp |
| Employer contribution / active EE | $30 | $1,894-98.4% | $2,521-98.8% | $2,440-98.8% |
| Participant deferral / active EE | $2,939 | $3,270-10.1% | $4,049-27.4% | $3,608-18.5% |
| Admin fee / account holder | $1,429 | $5,055-71.7% | $7,491-80.9% | $5,124-72.1% |