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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 | $113,303 | $118,496-4.4% | $98,461+15.1% | $139,466-18.8% |
| Participation rate | 76.9% | 77.5%-0.5pp | 75.2%+1.8pp | 80.3%-3.4pp |
| Annual return | 18.01% | 18.96%-1.0pp | 21.17%-3.2pp | 373.66%-355.7pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $1,964 | $5,393-63.6% | $4,738-58.5% | $6,712-70.7% |
| Admin fee / account holder | $1,980 | $14,056-85.9% | $8,961-77.9% | $11,409-82.6% |