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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 | $51,730 | $100,970-48.8% | $96,576-46.4% | $137,256-62.3% |
| Participation rate | 86.4% | 82.6%+3.8pp | 81.4%+4.9pp | 80.0%+6.4pp |
| Annual return | 30.82% | 38.16%-7.3pp | 38.47%-7.6pp | 220.34%-189.5pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $18,561 | $8,286+124.0% | $7,956+133.3% | $6,407+189.7% |
| Admin fee / account holder | $8,769 | $11,312-22.5% | $11,381-22.9% | $12,270-28.5% |