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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 | $72,754 | $93,617-22.3% | $135,982-46.5% | $75,177-3.2% |
| Participation rate | 96.3% | 75.2%+21.1pp | 81.9%+14.4pp | 67.2%+29.1pp |
| Annual return | 19.16% | 30.89%-11.7pp | 68.32%-49.2pp | 160.75%-141.6pp |
| Employer contribution / active EE | $49 | $3,538-98.6% | $4,859-99.0% | $2,671-98.2% |
| Participant deferral / active EE | $11,827 | $6,406+84.6% | $7,760+52.4% | $4,126+186.6% |
| Admin fee / account holder | $7,199 | $6,980+3.1% | $10,767-33.1% | $5,651+27.4% |