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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 | $25,709 | $106,749-75.9% | $145,433-82.3% | $82,448-68.8% |
| Participation rate | 83.9% | 75.6%+8.3pp | 82.1%+1.8pp | 68.1%+15.9pp |
| Annual return | 14.87% | 27.59%-12.7pp | 66.58%-51.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,961 | $6,519-8.6% | $7,897-24.5% | $4,139+44.0% |
| Admin fee / account holder | $6,508 | $8,390-22.4% | $13,129-50.4% | $7,234-10.0% |