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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 | $58,006 | $86,949-33.3% | $102,460-43.4% | $80,959-28.4% |
| Participation rate | 76.3% | 72.4%+3.9pp | 76.5%-0.2pp | 67.7%+8.6pp |
| Annual return | 13.29% | 18.89%-5.6pp | 29.47%-16.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,195 | $4,121-46.7% | $5,056-56.6% | $4,300-49.0% |
| Admin fee / account holder | $3,687 | $8,048-54.2% | $9,460-61.0% | $6,925-46.8% |