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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 | $106,265 | $167,415-36.5% | $140,514-24.4% | $198,609-46.5% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 15.54% | 13.85%+1.7pp | 14.36%+1.2pp | 202.70%-187.2pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $6,636 | $5,579+18.9% | $4,919+34.9% | $6,977-4.9% |
| Admin fee / account holder | $8,215 | $16,730-50.9% | $13,697-40.0% | $19,030-56.8% |