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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 | $84,127 | $70,366+19.6% | $66,674+26.2% | $138,895-39.4% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 16.67% | 386.41%-369.7pp | 321.24%-304.6pp | 145.39%-128.7pp |
| Employer contribution / active EE | $355 | $2,765-87.2% | $2,620-86.5% | $4,194-91.5% |
| Participant deferral / active EE | $1,580 | $4,374-63.9% | $4,084-61.3% | $6,396-75.3% |
| Admin fee / account holder | $6,873 | $5,262+30.6% | $5,098+34.8% | $12,562-45.3% |