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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 | $55,929 | $202,440-72.4% | $169,390-67.0% | $139,466-59.9% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 9.40% | 532.36%-523.0pp | 406.07%-396.7pp | 373.66%-364.3pp |
| Employer contribution / active EE | $0 | $4,693-100.0% | $4,013-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $18,675 | $6,940+169.1% | $6,222+200.1% | $6,712+178.2% |
| Admin fee / account holder | $311 | $10,722-97.1% | $9,015-96.6% | $11,409-97.3% |