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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 | $47,937 | $86,298-44.5% | $111,308-56.9% | $85,847-44.2% |
| Participation rate | 94.6% | 73.3%+21.3pp | 77.3%+17.3pp | 69.3%+25.3pp |
| Annual return | 11.76% | 19.99%-8.2pp | 54.67%-42.9pp | 318.61%-306.9pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,916 | $3,641+35.0% | $4,487+9.5% | $3,952+24.4% |
| Admin fee / account holder | $1,373 | $8,189-83.2% | $7,965-82.8% | $6,261-78.1% |