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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 | $84,960 | $124,425-31.7% | $112,040-24.2% | $137,256-38.1% |
| Participation rate | 86.4% | 79.3%+7.1pp | 76.5%+9.9pp | 80.0%+6.4pp |
| Annual return | 17.72% | 24.72%-7.0pp | 24.52%-6.8pp | 220.34%-202.6pp |
| Employer contribution / active EE | $0 | $3,411-100.0% | $2,954-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $18,209 | $5,718+218.4% | $5,098+257.2% | $6,407+184.2% |
| Admin fee / account holder | $21,811 | $15,207+43.4% | $12,098+80.3% | $12,270+77.8% |