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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 | $229,550 | $138,385+65.9% | $184,243+24.6% | $80,925+183.7% |
| Participation rate | 80.8% | 83.9%-3.1pp | 86.8%-6.1pp | 67.7%+13.1pp |
| Annual return | 12.99% | 20.02%-7.0pp | 28.82%-15.8pp | 35.65%-22.7pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $14,021 | $7,075+98.2% | $9,132+53.5% | $4,299+226.2% |
| Admin fee / account holder | $6,376 | $10,489-39.2% | $13,914-54.2% | $6,940-8.1% |