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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 | $18,583 | $100,970-81.6% | $96,576-80.8% | $137,256-86.5% |
| Participation rate | 70.0% | 82.6%-12.6pp | 81.4%-11.4pp | 80.0%-10.0pp |
| Annual return | 25.20% | 38.16%-13.0pp | 38.47%-13.3pp | 220.34%-195.1pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $7,914 | $8,286-4.5% | $7,956-0.5% | $6,407+23.5% |
| Admin fee / account holder | $1,217 | $11,312-89.2% | $11,381-89.3% | $12,270-90.1% |