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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 | $61,067 | $49,025+24.6% | $87,502-30.2% | $62,881-2.9% |
| Participation rate | 76.4% | 64.9%+11.5pp | 73.8%+2.5pp | 69.3%+7.1pp |
| Annual return | 8.13% | 10.02%-1.9pp | 12.21%-4.1pp | 20.14%-12.0pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,566 | $2,289+274.2% | $3,149+172.0% | $3,203+167.4% |
| Admin fee / account holder | $985 | $4,065-75.8% | $4,221-76.7% | $4,296-77.1% |