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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 | $113,927 | $183,539-37.9% | $155,556-26.8% | $145,897-21.9% |
| Participation rate | 78.6% | 82.7%-4.1pp | 78.2%+0.3pp | 80.3%-1.7pp |
| Annual return | 10.16% | 61.31%-51.2pp | 64.84%-54.7pp | 552.29%-542.1pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,791 | $6,467-56.8% | $5,631-50.4% | $6,689-58.3% |
| Admin fee / account holder | $1,622 | $19,275-91.6% | $15,885-89.8% | $13,390-87.9% |