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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 | $95,183 | $110,410-13.8% | $102,437-7.1% | $145,897-34.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.29% | 24.85%-11.6pp | 24.95%-11.7pp | 552.29%-539.0pp |
| Employer contribution / active EE | $604 | $4,217-85.7% | $3,871-84.4% | $4,663-87.0% |
| Participant deferral / active EE | $1,732 | $5,622-69.2% | $5,060-65.8% | $6,689-74.1% |
| Admin fee / account holder | $1,978 | $9,745-79.7% | $8,388-76.4% | $13,390-85.2% |