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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 | $41,646 | $56,287-26.0% | $80,977-48.6% | $62,881-33.8% |
| Participation rate | 74.5% | 68.9%+5.6pp | 75.8%-1.3pp | 69.3%+5.2pp |
| Annual return | 6.56% | 22.13%-15.6pp | 17.11%-10.5pp | 20.14%-13.6pp |
| Employer contribution / active EE | -$2 | $1,943-100.1% | $3,715-100.1% | $2,281-100.1% |
| Participant deferral / active EE | $6,177 | $4,196+47.2% | $5,696+8.4% | $3,203+92.8% |
| Admin fee / account holder | $3,182 | $3,742-15.0% | $5,517-42.3% | $4,296-25.9% |