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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 | $123,155+41.7% | $108,753+60.5% | $155,188+12.5% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 19.48% | 44.73%-25.3pp | 37.47%-18.0pp | 148.84%-129.4pp |
| Employer contribution / active EE | $0 | $2,811-100.0% | $2,427-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $12,273 | $4,623+165.5% | $4,115+198.3% | $6,531+87.9% |
| Admin fee / account holder | $1,653 | $12,126-86.4% | $10,320-84.0% | $14,480-88.6% |