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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 | $61,962 | $110,137-43.7% | $161,149-61.5% | $82,637-25.0% |
| Participation rate | 75.5% | 72.4%+3.2pp | 78.8%-3.3pp | 68.1%+7.5pp |
| Annual return | 14.78% | 20.69%-5.9pp | 21.16%-6.4pp | 53.51%-38.7pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,888 | $4,575-15.0% | $6,153-36.8% | $4,126-5.8% |
| Admin fee / account holder | $3,960 | $9,467-58.2% | $15,194-73.9% | $7,339-46.0% |