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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 | $87,454 | $118,877-26.4% | $96,570-9.4% | $167,536-47.8% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | 11.17% | 50.50%-39.3pp | 37.79%-26.6pp | 478.82%-467.6pp |
| Employer contribution / active EE | $400 | $3,121-87.2% | $2,357-83.0% | $4,839-91.7% |
| Participant deferral / active EE | $4,890 | $4,617+5.9% | $3,849+27.0% | $6,342-22.9% |
| Admin fee / account holder | $8,948 | $8,069+10.9% | $6,182+44.7% | $12,315-27.3% |