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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 | $60,120 | $116,203-48.3% | $93,621-35.8% | $152,909-60.7% |
| Participation rate | 79.2% | 78.1%+1.1pp | 75.8%+3.3pp | 82.5%-3.3pp |
| Annual return | 22.44% | 35.96%-13.5pp | 32.76%-10.3pp | 345.46%-323.0pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,617 | $4,605-43.2% | $4,070-35.7% | $5,851-55.3% |
| Admin fee / account holder | $505 | $10,751-95.3% | $7,890-93.6% | $11,601-95.7% |