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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 | $50,119 | $181,896-72.4% | $156,551-68.0% | $273,972-81.7% |
| Participation rate | 71.4% | 88.4%-17.0pp | 84.0%-12.6pp | 83.0%-11.6pp |
| Annual return | 15.62% | 30.74%-15.1pp | 32.23%-16.6pp | 41.46%-25.8pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,833 | $5,550-49.0% | $4,871-41.8% | $5,287-46.4% |
| Admin fee / account holder | $375 | $15,560-97.6% | $13,028-97.1% | $10,133-96.3% |