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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 | $75,848 | $162,821-53.4% | $133,978-43.4% | $158,982-52.3% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 17.33% | 41.95%-24.6pp | 45.10%-27.8pp | 302.99%-285.7pp |
| Employer contribution / active EE | $419 | $4,976-91.6% | $3,919-89.3% | $4,763-91.2% |
| Participant deferral / active EE | $7,411 | $5,910+25.4% | $5,047+46.8% | $5,983+23.9% |
| Admin fee / account holder | $1,080 | $11,742-90.8% | $8,930-87.9% | $11,252-90.4% |