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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 | $56,332 | $106,864-47.3% | $147,318-61.8% | $82,637-31.8% |
| Participation rate | 89.6% | 75.5%+14.1pp | 82.1%+7.5pp | 68.1%+21.5pp |
| Annual return | 17.87% | 27.49%-9.6pp | 70.43%-52.6pp | 53.51%-35.6pp |
| Employer contribution / active EE | $11 | $3,417-99.7% | $4,593-99.8% | $2,552-99.6% |
| Participant deferral / active EE | $8,595 | $6,496+32.3% | $7,906+8.7% | $4,126+108.3% |
| Admin fee / account holder | $12,333 | $8,415+46.6% | $13,708-10.0% | $7,339+68.0% |