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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 | $86,940-14.6% | $102,434-27.5% | $80,935-8.3% |
| Participation rate | 71.2% | 72.4%-1.2pp | 76.5%-5.4pp | 67.7%+3.5pp |
| Annual return | 18.48% | 18.89%-0.4pp | 29.46%-11.0pp | 35.66%-17.2pp |
| Employer contribution / active EE | $8 | $2,370-99.7% | $3,023-99.7% | $2,757-99.7% |
| Participant deferral / active EE | $4,988 | $4,121+21.0% | $5,055-1.3% | $4,299+16.0% |
| Admin fee / account holder | $3,126 | $8,047-61.1% | $9,462-67.0% | $6,924-54.8% |