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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 | $92,798+2.6% | $96,707-1.6% | $137,256-30.6% |
| Participation rate | 75.0% | 81.6%-6.6pp | 80.4%-5.4pp | 80.0%-5.0pp |
| Annual return | 18.00% | 31.24%-13.2pp | 34.78%-16.8pp | 220.34%-202.3pp |
| Employer contribution / active EE | $0 | $4,147-100.0% | $4,191-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,775 | $5,877-52.8% | $5,997-53.7% | $6,407-56.7% |
| Admin fee / account holder | $1,261 | $7,946-84.1% | $7,503-83.2% | $12,270-89.7% |