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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 | $33,265 | $102,609-67.6% | $98,090-66.1% | $138,895-76.1% |
| Participation rate | 73.3% | 82.8%-9.4pp | 81.5%-8.2pp | 79.9%-6.6pp |
| Annual return | 20.56% | 36.44%-15.9pp | 37.05%-16.5pp | 145.39%-124.8pp |
| Employer contribution / active EE | $0 | $3,867-100.0% | $3,606-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $9,798 | $8,167+20.0% | $7,845+24.9% | $6,396+53.2% |
| Admin fee / account holder | $10,746 | $11,434-6.0% | $11,815-9.0% | $12,562-14.5% |