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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 | $78,629 | $110,240-28.7% | $96,544-18.6% | $139,487-43.6% |
| Participation rate | 93.3% | 78.1%+15.2pp | 76.0%+17.3pp | 80.3%+13.0pp |
| Annual return | 10.51% | 26.41%-15.9pp | 25.88%-15.4pp | 373.84%-363.3pp |
| Employer contribution / active EE | $0 | $3,622-100.0% | $2,966-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $4,730 | $5,549-14.7% | $4,851-2.5% | $6,713-29.5% |
| Admin fee / account holder | $10,451 | $11,602-9.9% | $8,254+26.6% | $11,407-8.4% |