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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 | $59,702 | $84,236-29.1% | $170,435-65.0% | $70,126-14.9% |
| Participation rate | 93.3% | 70.8%+22.5pp | 83.6%+9.7pp | 69.5%+23.8pp |
| Annual return | 13.99% | 23.06%-9.1pp | 205.94%-191.9pp | 73.15%-59.2pp |
| Employer contribution / active EE | -$22 | $3,387-100.6% | $5,432-100.4% | $2,343-100.9% |
| Participant deferral / active EE | $4,713 | $3,086+52.7% | $4,939-4.6% | $3,332+41.4% |
| Admin fee / account holder | $1,344 | $5,698-76.4% | $13,881-90.3% | $4,645-71.1% |