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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 | $23,324 | $91,179-74.4% | $178,499-86.9% | $79,852-70.8% |
| Participation rate | 74.2% | 69.2%+5.0pp | 81.9%-7.7pp | 69.6%+4.6pp |
| Annual return | 25.34% | 24.19%+1.1pp | 151.10%-125.8pp | 31.72%-6.4pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,863 | $3,236+50.3% | $5,202-6.5% | $3,740+30.0% |
| Admin fee / account holder | $1,700 | $6,749-74.8% | $13,986-87.8% | $5,306-68.0% |