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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 | $56,371 | $98,776-42.9% | $149,745-62.4% | $79,856-29.4% |
| Participation rate | 95.2% | 75.8%+19.4pp | 82.5%+12.8pp | 69.6%+25.6pp |
| Annual return | 15.53% | 27.38%-11.8pp | 276.72%-261.2pp | 31.71%-16.2pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,475 | $5,681-38.8% | $6,843-49.2% | $3,741-7.1% |
| Admin fee / account holder | $1,918 | $6,053-68.3% | $9,312-79.4% | $5,306-63.9% |