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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 | $130,410 | $84,236+54.8% | $170,435-23.5% | $70,126+86.0% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 17.53% | 23.06%-5.5pp | 205.94%-188.4pp | 73.15%-55.6pp |
| Employer contribution / active EE | $30 | $3,387-99.1% | $5,432-99.4% | $2,343-98.7% |
| Participant deferral / active EE | $6,790 | $3,086+120.0% | $4,939+37.5% | $3,332+103.8% |
| Admin fee / account holder | $2,955 | $5,698-48.1% | $13,881-78.7% | $4,645-36.4% |