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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 | $126,661-32.9% | $113,397-25.1% | $138,895-38.8% |
| Participation rate | 86.4% | 79.4%+6.9pp | 76.5%+9.9pp | 79.9%+6.4pp |
| Annual return | 17.72% | 25.05%-7.3pp | 23.20%-5.5pp | 145.39%-127.7pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $18,209 | $5,693+219.9% | $5,076+258.7% | $6,396+184.7% |
| Admin fee / account holder | $21,811 | $14,549+49.9% | $11,957+82.4% | $12,562+73.6% |