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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 | $123,898-23.2% | $116,538-18.3% | $155,188-38.7% |
| Participation rate | 75.0% | 83.7%-8.7pp | 82.6%-7.6pp | 80.8%-5.8pp |
| Annual return | 18.00% | 16.04%+2.0pp | 17.97%0pp | 148.84%-130.8pp |
| Employer contribution / active EE | $0 | $4,739-100.0% | $4,541-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,775 | $6,400-56.6% | $6,207-55.3% | $6,531-57.5% |
| Admin fee / account holder | $1,261 | $9,174-86.3% | $8,737-85.6% | $14,480-91.3% |