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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 | $80,147 | $201,370-60.2% | $184,256-56.5% | $145,897-45.1% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 22.19% | 29.05%-6.9pp | 28.85%-6.7pp | 552.29%-530.1pp |
| Employer contribution / active EE | $559 | $7,024-92.0% | $6,427-91.3% | $4,663-88.0% |
| Participant deferral / active EE | $17,716 | $9,808+80.6% | $9,133+94.0% | $6,689+164.8% |
| Admin fee / account holder | $5,600 | $16,364-65.8% | $13,899-59.7% | $13,390-58.2% |