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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% | $155,574-85.4% | $145,877-84.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 18.81% | 61.37%-42.6pp | 64.87%-46.1pp | 551.28%-532.5pp |
| Employer contribution / active EE | $768 | $5,317-85.6% | $4,676-83.6% | $4,663-83.5% |
| Participant deferral / active EE | $2,986 | $6,466-53.8% | $5,629-46.9% | $6,691-55.4% |
| Admin fee / account holder | $1,299 | $19,316-93.3% | $15,914-91.8% | $13,402-90.3% |