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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 | $118,728 | $167,415-29.1% | $140,514-15.5% | $198,609-40.2% |
| Participation rate | 81.8% | 80.9%+0.9pp | 77.8%+4.0pp | 82.4%-0.6pp |
| Annual return | 14.03% | 13.85%+0.2pp | 14.36%-0.3pp | 202.70%-188.7pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $3,549 | $5,579-36.4% | $4,919-27.8% | $6,977-49.1% |
| Admin fee / account holder | $8,723 | $16,730-47.9% | $13,697-36.3% | $19,030-54.2% |