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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 | $57,868 | $80,992-28.6% | $96,534-40.1% | $75,173-23.0% |
| Participation rate | 80.8% | 71.8%+9.0pp | 76.0%+4.8pp | 67.2%+13.6pp |
| Annual return | 34.83% | 27.05%+7.8pp | 25.88%+9.0pp | 160.72%-125.9pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $12,979 | $3,929+230.3% | $4,851+167.6% | $4,126+214.6% |
| Admin fee / account holder | $1,141 | $6,717-83.0% | $8,253-86.2% | $5,651-79.8% |