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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 | $45,301 | $116,203-61.0% | $93,621-51.6% | $152,897-70.4% |
| Participation rate | 75.0% | 78.1%-3.1pp | 75.8%-0.8pp | 82.5%-7.5pp |
| Annual return | 19.71% | 35.96%-16.3pp | 32.76%-13.1pp | 345.43%-325.7pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,604 | $4,605-21.7% | $4,070-11.4% | $5,851-38.4% |
| Admin fee / account holder | $467 | $10,751-95.7% | $7,890-94.1% | $11,599-96.0% |