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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 | $78,215 | $116,203-32.7% | $93,621-16.5% | $152,897-48.8% |
| Participation rate | 77.8% | 78.1%-0.3pp | 75.8%+1.9pp | 82.5%-4.7pp |
| Annual return | 23.75% | 35.96%-12.2pp | 32.76%-9.0pp | 345.43%-321.7pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,042 | $4,605-55.6% | $4,070-49.8% | $5,851-65.1% |
| Admin fee / account holder | $13,095 | $10,751+21.8% | $7,890+66.0% | $11,599+12.9% |