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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 | $61,758 | $176,794-65.1% | $146,647-57.9% | $167,553-63.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 24.12% | 24.04%+0.1pp | 22.75%+1.4pp | 478.89%-454.8pp |
| Employer contribution / active EE | $653 | $5,161-87.4% | $4,137-84.2% | $4,840-86.5% |
| Participant deferral / active EE | $6,733 | $6,440+4.5% | $5,506+22.3% | $6,343+6.2% |
| Admin fee / account holder | $4,626 | $13,262-65.1% | $10,281-55.0% | $12,316-62.4% |