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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 | $183,885 | $124,330+47.9% | $109,173+68.4% | $167,536+9.8% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 10.57% | 26.04%-15.5pp | 25.75%-15.2pp | 478.82%-468.3pp |
| Employer contribution / active EE | $714 | $4,209-83.0% | $3,723-80.8% | $4,839-85.2% |
| Participant deferral / active EE | $7,789 | $5,256+48.2% | $4,654+67.4% | $6,342+22.8% |
| Admin fee / account holder | $3,544 | $7,974-55.6% | $6,755-47.5% | $12,315-71.2% |