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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 | $140,222 | $172,111-18.5% | $150,298-6.7% | $137,256+2.2% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 18.36% | 69.37%-51.0pp | 62.79%-44.4pp | 220.34%-202.0pp |
| Employer contribution / active EE | $268 | $4,636-94.2% | $4,154-93.6% | $4,156-93.6% |
| Participant deferral / active EE | $16,024 | $6,166+159.9% | $5,453+193.9% | $6,407+150.1% |
| Admin fee / account holder | $901 | $16,471-94.5% | $14,116-93.6% | $12,270-92.7% |