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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 | $78,498 | $138,393-43.3% | $184,256-57.4% | $80,959-3.0% |
| Participation rate | 79.3% | 83.9%-4.6pp | 86.8%-7.5pp | 67.7%+11.6pp |
| Annual return | 33.27% | 20.01%+13.3pp | 28.85%+4.4pp | 35.67%-2.4pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $13,359 | $7,076+88.8% | $9,133+46.3% | $4,300+210.7% |
| Admin fee / account holder | $1,206 | $10,489-88.5% | $13,899-91.3% | $6,925-82.6% |