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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 | $114,983 | $114,013+0.9% | $103,693+10.9% | $155,188-25.9% |
| Participation rate | 70.0% | 75.2%-5.2pp | 72.6%-2.6pp | 80.8%-10.8pp |
| Annual return | 13.87% | 49.31%-35.4pp | 47.61%-33.7pp | 148.84%-135.0pp |
| Employer contribution / active EE | $0 | $3,131-100.0% | $2,920-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $4,731 | $4,970-4.8% | $4,579+3.3% | $6,531-27.6% |
| Admin fee / account holder | $6,241 | $8,407-25.8% | $7,858-20.6% | $14,480-56.9% |