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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 | $38,456 | $181,062-78.8% | $158,223-75.7% | $155,188-75.2% |
| Participation rate | 94.7% | 82.7%+12.1pp | 79.2%+15.5pp | 80.8%+13.9pp |
| Annual return | 16.14% | 57.39%-41.2pp | 52.09%-35.9pp | 148.84%-132.7pp |
| Employer contribution / active EE | $300 | $4,565-93.4% | $4,109-92.7% | $4,248-92.9% |
| Participant deferral / active EE | $3,693 | $6,134-39.8% | $5,467-32.5% | $6,531-43.5% |
| Admin fee / account holder | $4,085 | $18,825-78.3% | $16,047-74.5% | $14,480-71.8% |