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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 | $210,523 | $177,595+18.5% | $148,496+41.8% | $198,609+6.0% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 13.43% | 9.97%+3.5pp | 12.33%+1.1pp | 202.70%-189.3pp |
| Employer contribution / active EE | $128 | $4,098-96.9% | $3,497-96.4% | $5,055-97.5% |
| Participant deferral / active EE | $7,990 | $5,539+44.3% | $4,808+66.2% | $6,977+14.5% |
| Admin fee / account holder | $4,155 | $27,010-84.6% | $19,547-78.7% | $19,030-78.2% |