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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 | $58,706 | $85,171-31.1% | $172,752-66.0% | $72,975-19.6% |
| Participation rate | 85.2% | 70.1%+15.1pp | 82.6%+2.5pp | 69.5%+15.7pp |
| Annual return | 16.35% | 27.32%-11.0pp | 802.97%-786.6pp | 81.01%-64.7pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,135 | $3,260-3.8% | $5,198-39.7% | $3,608-13.1% |
| Admin fee / account holder | $1,672 | $5,880-71.6% | $13,955-88.0% | $5,124-67.4% |