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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 | $43,345 | $56,063-22.7% | $76,051-43.0% | $80,911-46.4% |
| Participation rate | 90.0% | 62.0%+28.0pp | 69.1%+20.9pp | 67.6%+22.4pp |
| Annual return | 12.50% | 20.54%-8.0pp | 360.42%-347.9pp | 35.63%-23.1pp |
| Employer contribution / active EE | $255 | $1,874-86.4% | $2,690-90.5% | $2,756-90.8% |
| Participant deferral / active EE | $3,983 | $3,052+30.5% | $4,257-6.4% | $4,297-7.3% |
| Admin fee / account holder | $11,973 | $5,240+128.5% | $6,416+86.6% | $6,935+72.7% |