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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 | $75,195 | $165,399-54.5% | $149,745-49.8% | $158,982-52.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.93% | 348.34%-335.4pp | 276.72%-263.8pp | 302.99%-290.1pp |
| Employer contribution / active EE | $811 | $5,105-84.1% | $4,646-82.5% | $4,763-83.0% |
| Participant deferral / active EE | $15,311 | $7,183+113.2% | $6,843+123.7% | $5,983+155.9% |
| Admin fee / account holder | $628 | $10,811-94.2% | $9,312-93.3% | $11,252-94.4% |