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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 | $42,715 | $135,905-68.6% | $126,068-66.1% | $198,609-78.5% |
| Participation rate | 72.7% | 85.6%-12.9pp | 84.7%-12.0pp | 82.4%-9.7pp |
| Annual return | 26.78% | 14.07%+12.7pp | 15.01%+11.8pp | 202.70%-175.9pp |
| Employer contribution / active EE | $0 | $4,245-100.0% | $3,968-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $11,192 | $8,523+31.3% | $8,214+36.3% | $6,977+60.4% |
| Admin fee / account holder | $934 | $21,036-95.6% | $18,264-94.9% | $19,030-95.1% |