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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 | $46,785 | $77,472-39.6% | $100,415-53.4% | $80,959-42.2% |
| Participation rate | 77.4% | 76.9%+0.5pp | 81.5%-4.1pp | 67.7%+9.8pp |
| Annual return | 14.46% | 37.26%-22.8pp | 49.47%-35.0pp | 35.67%-21.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,465 | $6,818-5.2% | $8,091-20.1% | $4,300+50.3% |
| Admin fee / account holder | $6,669 | $5,885+13.3% | $7,906-15.6% | $6,925-3.7% |