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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 | $28,035 | $111,814-74.9% | $103,374-72.9% | $145,959-80.8% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.5%+13.0pp | 80.3%+7.2pp |
| Annual return | 16.18% | 24.77%-8.6pp | 24.89%-8.7pp | 561.95%-545.8pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,869-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $2,856 | $5,618-49.2% | $5,058-43.5% | $6,689-57.3% |
| Admin fee / account holder | $337 | $9,754-96.5% | $8,394-96.0% | $13,398-97.5% |