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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 | $19,620 | $100,970-80.6% | $96,576-79.7% | $137,256-85.7% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 22.78% | 38.16%-15.4pp | 38.47%-15.7pp | 220.34%-197.6pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $14,497 | $8,286+75.0% | $7,956+82.2% | $6,407+126.3% |
| Admin fee / account holder | $4,901 | $11,312-56.7% | $11,381-56.9% | $12,270-60.1% |