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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 | $45,329 | $177,156-74.4% | $147,027-69.2% | $154,746-70.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 20.80% | 21.94%-1.1pp | 20.23%+0.6pp | 172.34%-151.5pp |
| Employer contribution / active EE | $249 | $4,336-94.3% | $3,626-93.1% | $4,379-94.3% |
| Participant deferral / active EE | $4,000 | $5,797-31.0% | $4,933-18.9% | $6,730-40.6% |
| Admin fee / account holder | $305 | $14,904-98.0% | $12,223-97.5% | $14,365-97.9% |