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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 | $77,574-61.2% | $108,753-72.3% | $86,983-65.4% |
| Participation rate | 70.4% | 62.3%+8.1pp | 71.1%-0.7pp | 69.5%+0.8pp |
| Annual return | 19.66% | 18.42%+1.2pp | 37.47%-17.8pp | 25.83%-6.2pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $5,067 | $3,128+62.0% | $4,115+23.1% | $4,194+20.8% |
| Admin fee / account holder | $1,428 | $6,529-78.1% | $10,320-86.2% | $7,856-81.8% |