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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 | $46,196 | $152,460-69.7% | $118,746-61.1% | $147,586-68.7% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.3%+21.7pp | 82.8%+17.2pp |
| Annual return | 11.11% | 17.41%-6.3pp | 24.54%-13.4pp | 578.59%-567.5pp |
| Employer contribution / active EE | $133 | $5,046-97.4% | $4,193-96.8% | $4,876-97.3% |
| Participant deferral / active EE | $2,755 | $6,212-55.7% | $5,332-48.3% | $5,439-49.4% |
| Admin fee / account holder | $3,336 | $16,953-80.3% | $10,720-68.9% | $10,886-69.4% |