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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 | $91,987 | $71,878+28.0% | $86,698+6.1% | $68,486+34.3% |
| Participation rate | 93.0% | 72.2%+20.8pp | 76.6%+16.4pp | 67.9%+25.1pp |
| Annual return | 1.74% | 3.53%-1.8pp | 35.95%-34.2pp | -7.85%+9.6pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $6,116 | $3,779+61.8% | $4,656+31.4% | $4,028+51.9% |
| Admin fee / account holder | $1,276 | $6,113-79.1% | $7,493-83.0% | $5,404-76.4% |