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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 | $20,026 | $51,638-61.2% | $68,368-70.7% | $82,448-75.7% |
| Participation rate | 74.3% | 63.6%+10.7pp | 73.8%+0.5pp | 68.1%+6.2pp |
| Annual return | 15.55% | 37.53%-22.0pp | 292.57%-277.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,249 | $2,914-57.1% | $4,123-69.7% | $4,139-69.8% |
| Admin fee / account holder | $2,784 | $4,643-40.0% | $5,150-45.9% | $7,234-61.5% |