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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 | $100,310 | $113,941-12.0% | $94,229+6.5% | $125,389-20.0% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -0.17% | 5.29%-5.5pp | 10.68%-10.9pp | 282.24%-282.4pp |
| Employer contribution / active EE | $688 | $4,727-85.5% | $3,587-80.8% | $4,866-85.9% |
| Participant deferral / active EE | $3,129 | $5,179-39.6% | $4,320-27.6% | $5,352-41.5% |
| Admin fee / account holder | $680 | $8,392-91.9% | $6,269-89.2% | $9,541-92.9% |