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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 | $123,064 | $196,972-37.5% | $182,262-32.5% | $198,609-38.0% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 19.78% | 158.27%-138.5pp | 140.60%-120.8pp | 202.70%-182.9pp |
| Employer contribution / active EE | $730 | $5,364-86.4% | $5,046-85.5% | $5,055-85.6% |
| Participant deferral / active EE | $8,296 | $8,643-4.0% | $8,276+0.2% | $6,977+18.9% |
| Admin fee / account holder | $3,909 | $18,429-78.8% | $16,712-76.6% | $19,030-79.5% |