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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 | $37,476 | $139,948-73.2% | $121,663-69.2% | $154,746-75.8% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 14.15% | 230.52%-216.4pp | 147.54%-133.4pp | 172.34%-158.2pp |
| Employer contribution / active EE | $0 | $3,521-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,155 | $5,629-61.7% | $4,887-55.9% | $6,730-68.0% |
| Admin fee / account holder | $557 | $17,321-96.8% | $14,289-96.1% | $14,365-96.1% |