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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 | $73,630 | $141,001-47.8% | $112,228-34.4% | $139,487-47.2% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 19.97% | 32.75%-12.8pp | 30.23%-10.3pp | 373.84%-353.9pp |
| Employer contribution / active EE | $488 | $4,285-88.6% | $3,432-85.8% | $4,755-89.7% |
| Participant deferral / active EE | $22,500 | $5,877+282.8% | $4,800+368.7% | $6,713+235.2% |
| Admin fee / account holder | $1,139 | $9,959-88.6% | $7,752-85.3% | $11,407-90.0% |