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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 | $95,199 | $124,213-23.4% | $118,106-19.4% | $154,746-38.5% |
| Participation rate | 75.0% | 83.6%-8.6pp | 81.9%-6.9pp | 80.7%-5.7pp |
| Annual return | 18.00% | 18.29%-0.3pp | 19.44%-1.4pp | 172.34%-154.3pp |
| Employer contribution / active EE | $0 | $4,905-100.0% | $4,698-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,775 | $6,859-59.5% | $6,619-58.1% | $6,730-58.8% |
| Admin fee / account holder | $1,261 | $9,627-86.9% | $8,973-86.0% | $14,365-91.2% |