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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 | $60,236 | $83,337-27.7% | $67,834-11.2% | $273,972-78.0% |
| Participation rate | 82.6% | 76.4%+6.2pp | 68.8%+13.8pp | 83.0%-0.4pp |
| Annual return | 6.89% | 259.45%-252.6pp | 138.47%-131.6pp | 41.46%-34.6pp |
| Employer contribution / active EE | $0 | $3,287-100.0% | $2,403-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,793 | $4,088-7.2% | $3,160+20.0% | $5,287-28.3% |
| Admin fee / account holder | $316 | $6,752-95.3% | $4,622-93.2% | $10,133-96.9% |