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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 | $83,210 | $148,582-44.0% | $135,942-38.8% | $139,456-40.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 18.30% | 79.26%-61.0pp | 68.28%-50.0pp | 373.45%-355.1pp |
| Employer contribution / active EE | $895 | $5,245-82.9% | $4,858-81.6% | $4,753-81.2% |
| Participant deferral / active EE | $3,499 | $8,101-56.8% | $7,759-54.9% | $6,711-47.9% |
| Admin fee / account holder | $734 | $12,402-94.1% | $10,764-93.2% | $11,407-93.6% |