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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 | $90,034 | $185,312-51.4% | $161,489-44.2% | $154,746-41.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 18.81% | 103.84%-85.0pp | 89.72%-70.9pp | 172.34%-153.5pp |
| Employer contribution / active EE | $661 | $4,769-86.1% | $4,268-84.5% | $4,379-84.9% |
| Participant deferral / active EE | $3,362 | $6,350-47.1% | $5,630-40.3% | $6,730-50.0% |
| Admin fee / account holder | $1,078 | $18,654-94.2% | $16,006-93.3% | $14,365-92.5% |