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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 | $30,092 | $73,787-59.2% | $98,716-69.5% | $82,448-63.5% |
| Participation rate | 70.4% | 61.4%+9.0pp | 69.3%+1.1pp | 68.1%+2.3pp |
| Annual return | 19.66% | 18.57%+1.1pp | 31.81%-12.2pp | 41.64%-22.0pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,067 | $3,081+64.4% | $4,048+25.2% | $4,139+22.4% |
| Admin fee / account holder | $1,428 | $6,500-78.0% | $8,703-83.6% | $7,234-80.3% |