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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 | $34,409 | $110,307-68.8% | $96,576-64.4% | $139,456-75.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 21.47% | 26.40%-4.9pp | 25.87%-4.4pp | 373.45%-352.0pp |
| Employer contribution / active EE | $0 | $3,619-100.0% | $2,965-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $4,840 | $5,547-12.8% | $4,851-0.2% | $6,711-27.9% |
| Admin fee / account holder | $786 | $11,597-93.2% | $8,253-90.5% | $11,407-93.1% |