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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 | $30,077 | $77,472-61.2% | $100,415-70.0% | $80,959-62.8% |
| Participation rate | 88.9% | 76.9%+11.9pp | 81.5%+7.4pp | 67.7%+21.2pp |
| Annual return | 43.39% | 37.26%+6.1pp | 49.47%-6.1pp | 35.67%+7.7pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $11,640 | $6,818+70.7% | $8,091+43.9% | $4,300+170.7% |
| Admin fee / account holder | $2,073 | $5,885-64.8% | $7,906-73.8% | $6,925-70.1% |