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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 | $78,518 | $110,410-28.9% | $102,437-23.4% | $145,897-46.2% |
| Participation rate | 72.2% | 77.9%-5.7pp | 74.5%-2.3pp | 80.3%-8.1pp |
| Annual return | 9.62% | 24.85%-15.2pp | 24.95%-15.3pp | 552.29%-542.7pp |
| Employer contribution / active EE | $0 | $4,217-100.0% | $3,871-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $5,368 | $5,622-4.5% | $5,060+6.1% | $6,689-19.8% |
| Admin fee / account holder | $14,441 | $9,745+48.2% | $8,388+72.2% | $13,390+7.8% |