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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 | $17,080 | $156,398-89.1% | $147,318-88.4% | $138,895-87.7% |
| Participation rate | 70.6% | 83.8%-13.2pp | 82.1%-11.5pp | 79.9%-9.3pp |
| Annual return | 20.03% | 78.75%-58.7pp | 70.43%-50.4pp | 145.39%-125.4pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $4,427 | $8,237-46.3% | $7,906-44.0% | $6,396-30.8% |
| Admin fee / account holder | $589 | $14,976-96.1% | $13,708-95.7% | $12,562-95.3% |