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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 | $133,339 | $56,054+137.9% | $171,082-22.1% | $62,881+112.1% |
| Participation rate | 75.0% | 62.9%+12.1pp | 76.7%-1.7pp | 69.3%+5.7pp |
| Annual return | 6.10% | 22.52%-16.4pp | 32.56%-26.5pp | 20.14%-14.0pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $6,233 | $3,158+97.4% | $4,797+29.9% | $3,203+94.6% |
| Admin fee / account holder | $7,241 | $3,647+98.6% | $8,520-15.0% | $4,296+68.6% |