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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 | $85,578 | $78,423+9.1% | $95,964-10.8% | $79,856+7.2% |
| Participation rate | 74.0% | 73.5%+0.5pp | 77.1%-3.1pp | 69.6%+4.4pp |
| Annual return | 24.75% | 19.37%+5.4pp | 91.64%-66.9pp | 31.71%-7.0pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,313 | $3,440-3.7% | $4,167-20.5% | $3,741-11.4% |
| Admin fee / account holder | $10,705 | $5,622+90.4% | $6,797+57.5% | $5,306+101.7% |