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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 | $37,084 | $124,351-70.2% | $109,188-66.0% | $167,553-77.9% |
| Participation rate | 73.7% | 79.4%-5.8pp | 75.9%-2.2pp | 82.1%-8.4pp |
| Annual return | 14.91% | 26.04%-11.1pp | 25.76%-10.8pp | 478.89%-464.0pp |
| Employer contribution / active EE | $0 | $4,210-100.0% | $3,723-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $3,452 | $5,257-34.3% | $4,654-25.8% | $6,343-45.6% |
| Admin fee / account holder | $8,299 | $7,975+4.1% | $6,755+22.8% | $12,316-32.6% |