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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 | $167,822 | $110,212+52.3% | $96,534+73.8% | $139,466+20.3% |
| Participation rate | 92.9% | 78.1%+14.7pp | 76.0%+16.9pp | 80.3%+12.5pp |
| Annual return | 11.40% | 26.42%-15.0pp | 25.88%-14.5pp | 373.66%-362.3pp |
| Employer contribution / active EE | $0 | $3,620-100.0% | $2,965-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $5,510 | $5,547-0.7% | $4,851+13.6% | $6,712-17.9% |
| Admin fee / account holder | $4,039 | $11,599-65.2% | $8,253-51.1% | $11,409-64.6% |