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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 | $75,718 | $95,404-20.6% | $113,397-33.2% | $82,637-8.4% |
| Participation rate | 84.6% | 72.8%+11.8pp | 76.5%+8.1pp | 68.1%+16.6pp |
| Annual return | 19.29% | 19.08%+0.2pp | 23.20%-3.9pp | 53.51%-34.2pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,156 | $4,220-1.5% | $5,076-18.1% | $4,126+0.7% |
| Admin fee / account holder | $6,492 | $9,168-29.2% | $11,957-45.7% | $7,339-11.5% |