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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 | $40,754 | $86,288-52.8% | $111,306-63.4% | $85,851-52.5% |
| Participation rate | 73.4% | 73.3%+0.1pp | 77.3%-3.9pp | 69.3%+4.1pp |
| Annual return | 13.67% | 19.99%-6.3pp | 54.67%-41.0pp | 318.63%-305.0pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,474 | $3,641-32.1% | $4,488-44.9% | $3,952-37.4% |
| Admin fee / account holder | $5,638 | $8,189-31.2% | $7,966-29.2% | $6,261-9.9% |