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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 | $145,444 | $91,559+58.9% | $133,978+8.6% | $79,856+82.1% |
| Participation rate | 96.0% | 73.3%+22.7pp | 79.8%+16.2pp | 69.6%+26.4pp |
| Annual return | 17.50% | 61.85%-44.4pp | 45.10%-27.6pp | 31.71%-14.2pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $7,688 | $3,734+105.9% | $5,047+52.3% | $3,741+105.5% |
| Admin fee / account holder | $3,566 | $6,321-43.6% | $8,930-60.1% | $5,306-32.8% |