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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 | $174,515 | $112,729+54.8% | $98,716+76.8% | $137,256+27.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 19.48% | 38.48%-19.0pp | 31.81%-12.3pp | 220.34%-200.9pp |
| Employer contribution / active EE | $0 | $2,725-100.0% | $2,279-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $12,273 | $4,640+164.5% | $4,048+203.2% | $6,407+91.6% |
| Admin fee / account holder | $1,653 | $10,129-83.7% | $8,703-81.0% | $12,270-86.5% |