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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 | $58,942 | $203,436-71.0% | $152,466-61.3% | $167,518-64.8% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.2%+21.8pp | 82.1%+17.9pp |
| Annual return | 15.20% | 13.80%+1.4pp | 757.33%-742.1pp | 478.71%-463.5pp |
| Employer contribution / active EE | $0 | $5,220-100.0% | $4,327-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $5,593 | $6,716-16.7% | $5,820-3.9% | $6,342-11.8% |
| Admin fee / account holder | $13,710 | $22,506-39.1% | $15,805-13.3% | $12,312+11.3% |