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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 | $66,915 | $167,353-60.0% | $143,797-53.5% | $134,545-50.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | 12.44% | 0.48%+12.0pp | -0.04%+12.5pp | 418.37%-405.9pp |
| Employer contribution / active EE | $1,069 | $5,620-81.0% | $4,952-78.4% | $4,742-77.5% |
| Participant deferral / active EE | $4,884 | $6,447-24.3% | $5,638-13.4% | $6,401-23.7% |
| Admin fee / account holder | $3,974 | $18,096-78.0% | $14,679-72.9% | $11,431-65.2% |