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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 | $167,212 | $201,264-16.9% | $184,185-9.2% | $145,978+14.5% |
| Participation rate | 90.9% | 87.5%+3.4pp | 86.8%+4.1pp | 80.3%+10.6pp |
| Annual return | 15.09% | 29.00%-13.9pp | 28.81%-13.7pp | 550.52%-535.4pp |
| Employer contribution / active EE | $0 | $7,021-100.0% | $6,426-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $11,445 | $9,806+16.7% | $9,132+25.3% | $6,690+71.1% |
| Admin fee / account holder | $37,700 | $16,376+130.2% | $13,909+171.0% | $13,400+181.3% |