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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 | $77,584 | $115,225-32.7% | $100,712-23.0% | $138,895-44.1% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 19.13% | 40.35%-21.2pp | 33.27%-14.1pp | 145.39%-126.3pp |
| Employer contribution / active EE | $0 | $2,771-100.0% | $2,313-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $18,187 | $4,699+287.0% | $4,085+345.2% | $6,396+184.3% |
| Admin fee / account holder | $9,466 | $10,844-12.7% | $9,256+2.3% | $12,562-24.6% |