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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 | $20,847 | $70,486-70.4% | $100,535-79.3% | $79,856-73.9% |
| Participation rate | 76.5% | 73.6%+2.8pp | 79.4%-2.9pp | 69.6%+6.8pp |
| Annual return | 21.50% | 21.90%-0.4pp | 30.90%-9.4pp | 31.71%-10.2pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $9,380 | $5,182+81.0% | $6,271+49.6% | $3,741+150.8% |
| Admin fee / account holder | $4,682 | $4,480+4.5% | $8,085-42.1% | $5,306-11.8% |