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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 | $91,993 | $136,860-32.8% | $120,344-23.6% | $154,746-40.6% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 18.95% | 21.38%-2.4pp | 20.30%-1.4pp | 172.34%-153.4pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $6,480 | $5,793+11.9% | $5,135+26.2% | $6,730-3.7% |
| Admin fee / account holder | $499 | $15,393-96.8% | $12,742-96.1% | $14,365-96.5% |