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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 | $44,774 | $116,203-61.5% | $93,621-52.2% | $152,909-70.7% |
| Participation rate | 90.9% | 78.1%+12.9pp | 75.8%+15.1pp | 82.5%+8.5pp |
| Annual return | 10.95% | 35.96%-25.0pp | 32.76%-21.8pp | 345.46%-334.5pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $5,464 | $4,605+18.7% | $4,070+34.3% | $5,851-6.6% |
| Admin fee / account holder | $6,291 | $10,751-41.5% | $7,890-20.3% | $11,601-45.8% |