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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 | $85,191 | $67,411+26.4% | $91,004-6.4% | $70,131+21.5% |
| Participation rate | 72.1% | 71.4%+0.7pp | 75.6%-3.5pp | 69.5%+2.6pp |
| Annual return | 19.73% | -40.16%+59.9pp | 4.60%+15.1pp | 73.14%-53.4pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,173 | $2,823-23.0% | $3,548-38.8% | $3,332-34.8% |
| Admin fee / account holder | $4,057 | $4,236-4.2% | $5,417-25.1% | $4,645-12.7% |