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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 | $83,037 | $76,367+8.7% | $93,614-11.3% | $72,983+13.8% |
| Participation rate | 81.5% | 71.7%+9.7pp | 75.8%+5.7pp | 69.5%+12.0pp |
| Annual return | 26.34% | 25.82%+0.5pp | 32.76%-6.4pp | 81.01%-54.7pp |
| Employer contribution / active EE | $0 | $2,275-100.0% | $2,718-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,210 | $3,538-9.3% | $4,069-21.1% | $3,608-11.0% |
| Admin fee / account holder | $3,905 | $6,838-42.9% | $7,889-50.5% | $5,124-23.8% |