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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 | $33,960 | $48,235-29.6% | $68,803-50.6% | $68,490-50.4% |
| Participation rate | 93.3% | 60.7%+32.7pp | 69.0%+24.3pp | 67.9%+25.4pp |
| Annual return | -18.00% | -12.70%-5.3pp | -6.37%-11.6pp | -7.85%-10.2pp |
| Employer contribution / active EE | $256 | $1,829-86.0% | $2,656-90.4% | $2,597-90.2% |
| Participant deferral / active EE | $5,952 | $2,867+107.6% | $3,942+51.0% | $4,028+47.8% |
| Admin fee / account holder | $581 | $4,361-86.7% | $4,936-88.2% | $5,403-89.2% |