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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 | $107,666-60.3% | $102,184-58.2% | $154,746-72.4% |
| Participation rate | 72.7% | 83.7%-11.0pp | 82.6%-9.9pp | 80.7%-8.0pp |
| Annual return | 26.78% | 29.33%-2.5pp | 31.58%-4.8pp | 172.34%-145.6pp |
| Employer contribution / active EE | $0 | $3,846-100.0% | $3,594-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $11,192 | $8,719+28.4% | $8,309+34.7% | $6,730+66.3% |
| Admin fee / account holder | $934 | $12,943-92.8% | $11,609-92.0% | $14,365-93.5% |