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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 | $108,769 | $93,598+16.2% | $135,974-20.0% | $75,173+44.7% |
| Participation rate | 77.1% | 75.2%+1.9pp | 81.9%-4.8pp | 67.2%+9.9pp |
| Annual return | 21.06% | 30.89%-9.8pp | 68.30%-47.2pp | 160.72%-139.7pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,508 | $6,405-29.6% | $7,760-41.9% | $4,126+9.3% |
| Admin fee / account holder | $5,602 | $6,978-19.7% | $10,767-48.0% | $5,651-0.9% |