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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 | $106,577 | $156,398-31.9% | $147,318-27.7% | $138,895-23.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 18.92% | 78.75%-59.8pp | 70.43%-51.5pp | 145.39%-126.5pp |
| Employer contribution / active EE | $784 | $4,853-83.8% | $4,593-82.9% | $4,194-81.3% |
| Participant deferral / active EE | $3,426 | $8,237-58.4% | $7,906-56.7% | $6,396-46.4% |
| Admin fee / account holder | $4,893 | $14,976-67.3% | $13,708-64.3% | $12,562-61.1% |