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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 | $117,715 | $95,415+23.4% | $185,851-36.7% | $85,851+37.1% |
| Participation rate | 92.9% | 68.8%+24.1pp | 81.7%+11.1pp | 69.3%+23.5pp |
| Annual return | 12.87% | 23.59%-10.7pp | 122.11%-109.2pp | 318.63%-305.8pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,653 | $3,424+6.7% | $5,569-34.4% | $3,952-7.6% |
| Admin fee / account holder | $2,395 | $7,215-66.8% | $16,245-85.3% | $6,261-61.7% |