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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 | $93,762 | $85,060+10.2% | $70,565+32.9% | $139,487-32.8% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.4%+31.6pp | 80.3%+19.7pp |
| Annual return | 41.92% | 30.39%+11.5pp | 32.79%+9.1pp | 373.84%-331.9pp |
| Employer contribution / active EE | $347 | $3,912-91.1% | $2,976-88.4% | $4,755-92.7% |
| Participant deferral / active EE | $13,467 | $5,891+128.6% | $4,568+194.8% | $6,713+100.6% |
| Admin fee / account holder | $637 | $8,932-92.9% | $6,430-90.1% | $11,407-94.4% |