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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 | $131,795 | $104,709+25.9% | $85,705+53.8% | $167,553-21.3% |
| Participation rate | 100.0% | 76.4%+23.6pp | 69.9%+30.1pp | 82.1%+17.9pp |
| Annual return | 9.97% | 21.45%-11.5pp | 21.49%-11.5pp | 478.89%-468.9pp |
| Employer contribution / active EE | $0 | $3,338-100.0% | $2,619-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $7,143 | $4,827+48.0% | $3,924+82.0% | $6,343+12.6% |
| Admin fee / account holder | $4,732 | $10,036-52.9% | $6,877-31.2% | $12,316-61.6% |