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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 | $108,013 | $165,381-34.7% | $149,730-27.9% | $158,966-32.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.83% | 348.29%-336.5pp | 276.70%-264.9pp | 302.95%-291.1pp |
| Employer contribution / active EE | $200 | $5,104-96.1% | $4,645-95.7% | $4,762-95.8% |
| Participant deferral / active EE | $17,133 | $7,182+138.5% | $6,843+150.4% | $5,983+186.4% |
| Admin fee / account holder | $2,029 | $10,809-81.2% | $9,310-78.2% | $11,250-82.0% |