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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 | $76,045 | $95,453-20.3% | $112,040-32.1% | $82,448-7.8% |
| Participation rate | 72.9% | 72.8%+0.1pp | 76.5%-3.6pp | 68.1%+4.8pp |
| Annual return | 16.57% | 23.92%-7.4pp | 24.52%-7.9pp | 41.64%-25.1pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,184 | $4,224-48.3% | $5,098-57.2% | $4,139-47.2% |
| Admin fee / account holder | $1,590 | $9,013-82.4% | $12,098-86.9% | $7,234-78.0% |