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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 | $22,652 | $183,592-87.7% | $155,567-85.4% | $145,959-84.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 18.81% | 61.24%-42.4pp | 64.74%-45.9pp | 561.95%-543.1pp |
| Employer contribution / active EE | $768 | $5,315-85.6% | $4,674-83.6% | $4,661-83.5% |
| Participant deferral / active EE | $2,986 | $6,464-53.8% | $5,628-46.9% | $6,689-55.4% |
| Admin fee / account holder | $1,299 | $19,318-93.3% | $15,916-91.8% | $13,398-90.3% |