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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 | $47,592 | $86,919-45.2% | $102,457-53.5% | $80,911-41.2% |
| Participation rate | 76.5% | 72.4%+4.1pp | 76.5%0pp | 67.6%+8.8pp |
| Annual return | 17.52% | 18.90%-1.4pp | 29.41%-11.9pp | 35.63%-18.1pp |
| Employer contribution / active EE | $0 | $2,368-100.0% | $3,022-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,034 | $4,119+46.5% | $5,054+19.4% | $4,297+40.4% |
| Admin fee / account holder | $2,148 | $8,049-73.3% | $9,451-77.3% | $6,935-69.0% |