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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 | $80,006 | $139,948-42.8% | $121,663-34.2% | $154,746-48.3% |
| Participation rate | 80.0% | 78.0%+2.0pp | 74.5%+5.5pp | 80.7%-0.7pp |
| Annual return | 18.72% | 230.52%-211.8pp | 147.54%-128.8pp | 172.34%-153.6pp |
| Employer contribution / active EE | $0 | $3,521-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,947 | $5,629-65.4% | $4,887-60.2% | $6,730-71.1% |
| Admin fee / account holder | $1,303 | $17,321-92.5% | $14,289-90.9% | $14,365-90.9% |