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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 | $37,406 | $98,776-62.1% | $149,745-75.0% | $79,856-53.2% |
| Participation rate | 86.3% | 75.8%+10.5pp | 82.5%+3.8pp | 69.6%+16.6pp |
| Annual return | 36.04% | 27.38%+8.7pp | 276.72%-240.7pp | 31.71%+4.3pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $12,399 | $5,681+118.2% | $6,843+81.2% | $3,741+231.5% |
| Admin fee / account holder | $781 | $6,053-87.1% | $9,312-91.6% | $5,306-85.3% |