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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 | $68,846 | $102,609-32.9% | $98,090-29.8% | $138,895-50.4% |
| Participation rate | 94.1% | 82.8%+11.3pp | 81.5%+12.6pp | 79.9%+14.2pp |
| Annual return | 19.27% | 36.44%-17.2pp | 37.05%-17.8pp | 145.39%-126.1pp |
| Employer contribution / active EE | $0 | $3,867-100.0% | $3,606-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $15,349 | $8,167+87.9% | $7,845+95.7% | $6,396+140.0% |
| Admin fee / account holder | $8,634 | $11,434-24.5% | $11,815-26.9% | $12,562-31.3% |