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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 | $86,197 | $183,516-53.0% | $155,534-44.6% | $145,884-40.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 10.68% | 61.43%-50.7pp | 64.92%-54.2pp | 551.85%-541.2pp |
| Employer contribution / active EE | $702 | $5,315-86.8% | $4,675-85.0% | $4,662-85.0% |
| Participant deferral / active EE | $1,900 | $6,467-70.6% | $5,630-66.3% | $6,690-71.6% |
| Admin fee / account holder | $3,029 | $19,293-84.3% | $15,900-81.0% | $13,392-77.4% |