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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 | $78,134 | $88,672-11.9% | $105,223-25.7% | $82,448-5.2% |
| Participation rate | 73.2% | 67.9%+5.3pp | 75.0%-1.8pp | 68.1%+5.1pp |
| Annual return | 16.77% | 30.86%-14.1pp | 180.65%-163.9pp | 41.64%-24.9pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,789 | $4,036+68.2% | $5,072+33.9% | $4,139+64.0% |
| Admin fee / account holder | $1,927 | $7,146-73.0% | $8,859-78.2% | $7,234-73.4% |