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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 | $212,777-78.7% | $173,703-73.9% | $198,609-77.2% |
| Participation rate | 100.0% | 81.1%+18.9pp | 75.9%+24.1pp | 82.4%+17.6pp |
| Annual return | 20.80% | 18.82%+2.0pp | 17.46%+3.3pp | 202.70%-181.9pp |
| Employer contribution / active EE | $249 | $5,214-95.2% | $4,288-94.2% | $5,055-95.1% |
| Participant deferral / active EE | $4,000 | $5,697-29.8% | $4,854-17.6% | $6,977-42.7% |
| Admin fee / account holder | $305 | $19,536-98.4% | $15,562-98.0% | $19,030-98.4% |