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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 | $28,262 | $77,962-63.7% | $178,540-84.2% | $80,935-65.1% |
| Participation rate | 95.5% | 65.7%+29.8pp | 77.1%+18.3pp | 67.7%+27.8pp |
| Annual return | 12.55% | 18.10%-5.5pp | 27.15%-14.6pp | 35.66%-23.1pp |
| Employer contribution / active EE | $0 | $2,280-100.0% | $3,953-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,452 | $4,404+1.1% | $6,281-29.1% | $4,299+3.5% |
| Admin fee / account holder | $5,816 | $7,156-18.7% | $10,424-44.2% | $6,924-16.0% |