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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 | $103,815 | $92,219+12.6% | $76,767+35.2% | $135,380-23.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | 8.67% | 5.46%+3.2pp | 2.43%+6.2pp | 519.81%-511.1pp |
| Employer contribution / active EE | $0 | $3,216-100.0% | $2,485-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,936 | $4,508-12.7% | $3,852+2.2% | $5,609-29.8% |
| Admin fee / account holder | $2,895 | $10,749-73.1% | $6,675-56.6% | $10,828-73.3% |