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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 | $57,649 | $124,330-53.6% | $109,173-47.2% | $167,536-65.6% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 15.67% | 26.04%-10.4pp | 25.75%-10.1pp | 478.82%-463.1pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $5,997 | $5,256+14.1% | $4,654+28.9% | $6,342-5.4% |
| Admin fee / account holder | $1,153 | $7,974-85.5% | $6,755-82.9% | $12,315-90.6% |