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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 | $45,295 | $154,228-70.6% | $145,433-68.9% | $137,256-67.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 29.05% | 74.59%-45.5pp | 66.58%-37.5pp | 220.34%-191.3pp |
| Employer contribution / active EE | $40 | $4,804-99.2% | $4,554-99.1% | $4,156-99.0% |
| Participant deferral / active EE | $13,653 | $8,216+66.2% | $7,897+72.9% | $6,407+113.1% |
| Admin fee / account holder | $899 | $14,344-93.7% | $13,129-93.1% | $12,270-92.7% |