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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 | $93,083 | $93,598-0.5% | $135,974-31.5% | $75,173+23.8% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 15.29% | 30.89%-15.6pp | 68.30%-53.0pp | 160.72%-145.4pp |
| Employer contribution / active EE | $370 | $3,538-89.5% | $4,859-92.4% | $2,671-86.1% |
| Participant deferral / active EE | $6,695 | $6,405+4.5% | $7,760-13.7% | $4,126+62.2% |
| Admin fee / account holder | $1,035 | $6,978-85.2% | $10,767-90.4% | $5,651-81.7% |