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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 | $66,156 | $100,970-34.5% | $96,576-31.5% | $137,256-51.8% |
| Participation rate | 78.9% | 82.6%-3.7pp | 81.4%-2.5pp | 80.0%-1.0pp |
| Annual return | 167.03% | 38.16%+128.9pp | 38.47%+128.6pp | 220.34%-53.3pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $13,362 | $8,286+61.3% | $7,956+67.9% | $6,407+108.6% |
| Admin fee / account holder | $431 | $11,312-96.2% | $11,381-96.2% | $12,270-96.5% |