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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 | $86,346 | $55,684+55.1% | $75,900+13.8% | $72,976+18.3% |
| Participation rate | 75.9% | 61.1%+14.7pp | 69.3%+6.6pp | 69.5%+6.4pp |
| Annual return | 17.13% | 27.60%-10.5pp | 30.73%-13.6pp | 81.02%-63.9pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,079 | $2,634+16.9% | $3,604-14.5% | $3,608-14.6% |
| Admin fee / account holder | $2,450 | $3,981-38.5% | $5,421-54.8% | $5,124-52.2% |