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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 | $168,689 | $142,430+18.4% | $115,170+46.5% | $152,897+10.3% |
| Participation rate | 76.5% | 82.4%-5.9pp | 75.9%+0.6pp | 82.5%-6.0pp |
| Annual return | 41.72% | 41.48%+0.2pp | 35.60%+6.1pp | 345.43%-303.7pp |
| Employer contribution / active EE | $0 | $4,011-100.0% | $3,179-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,108 | $5,165-39.8% | $4,169-25.4% | $5,851-46.9% |
| Admin fee / account holder | $12,951 | $8,464+53.0% | $7,089+82.7% | $11,599+11.6% |