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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 | $74,251 | $86,919-14.6% | $102,457-27.5% | $80,911-8.2% |
| Participation rate | 71.2% | 72.4%-1.2pp | 76.5%-5.3pp | 67.6%+3.5pp |
| Annual return | 18.48% | 18.90%-0.4pp | 29.41%-10.9pp | 35.63%-17.2pp |
| Employer contribution / active EE | $8 | $2,368-99.7% | $3,022-99.7% | $2,756-99.7% |
| Participant deferral / active EE | $4,988 | $4,119+21.1% | $5,054-1.3% | $4,297+16.1% |
| Admin fee / account holder | $3,126 | $8,049-61.2% | $9,451-66.9% | $6,935-54.9% |