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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 | $55,878 | $100,970-44.7% | $96,576-42.1% | $137,256-59.3% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 21.90% | 38.16%-16.3pp | 38.47%-16.6pp | 220.34%-198.4pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $15,229 | $8,286+83.8% | $7,956+91.4% | $6,407+137.7% |
| Admin fee / account holder | $336 | $11,312-97.0% | $11,381-97.0% | $12,270-97.3% |