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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 | $49,679 | $165,381-70.0% | $149,730-66.8% | $158,966-68.7% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 12.66% | 348.29%-335.6pp | 276.70%-264.0pp | 302.95%-290.3pp |
| Employer contribution / active EE | $0 | $5,104-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $7,886 | $7,182+9.8% | $6,843+15.2% | $5,983+31.8% |
| Admin fee / account holder | $6,403 | $10,809-40.8% | $9,310-31.2% | $11,250-43.1% |