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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 | $136,792 | $123,155+11.1% | $108,753+25.8% | $155,188-11.9% |
| Participation rate | 72.7% | 75.6%-2.9pp | 71.1%+1.6pp | 80.8%-8.1pp |
| Annual return | 18.26% | 44.73%-26.5pp | 37.47%-19.2pp | 148.84%-130.6pp |
| Employer contribution / active EE | $0 | $2,811-100.0% | $2,427-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,610 | $4,623-65.2% | $4,115-60.9% | $6,531-75.3% |
| Admin fee / account holder | $1,144 | $12,126-90.6% | $10,320-88.9% | $14,480-92.1% |