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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 | $43,662 | $51,207-14.7% | $70,565-38.1% | $75,177-41.9% |
| Participation rate | 90.5% | 61.0%+29.6pp | 68.4%+22.2pp | 67.2%+23.3pp |
| Annual return | 16.31% | 30.05%-13.7pp | 32.79%-16.5pp | 160.75%-144.4pp |
| Employer contribution / active EE | $238 | $1,826-87.0% | $2,976-92.0% | $2,671-91.1% |
| Participant deferral / active EE | $6,285 | $2,850+120.5% | $4,568+37.6% | $4,126+52.3% |
| Admin fee / account holder | $875 | $4,097-78.7% | $6,430-86.4% | $5,651-84.5% |