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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 | $11,550 | $100,970-88.6% | $96,576-88.0% | $137,256-91.6% |
| Participation rate | 90.9% | 82.6%+8.3pp | 81.4%+9.5pp | 80.0%+10.9pp |
| Annual return | 19.52% | 38.16%-18.6pp | 38.47%-19.0pp | 220.34%-200.8pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $9,149 | $8,286+10.4% | $7,956+15.0% | $6,407+42.8% |
| Admin fee / account holder | $596 | $11,312-94.7% | $11,381-94.8% | $12,270-95.1% |