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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 | $174,379-48.4% | $152,093-40.8% | $138,895-35.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 18.81% | 74.86%-56.0pp | 66.36%-47.5pp | 145.39%-126.6pp |
| Employer contribution / active EE | $661 | $4,652-85.8% | $4,175-84.2% | $4,194-84.2% |
| Participant deferral / active EE | $3,362 | $6,159-45.4% | $5,451-38.3% | $6,396-47.4% |
| Admin fee / account holder | $1,078 | $16,880-93.6% | $14,497-92.6% | $12,562-91.4% |