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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 | $125,540 | $112,935+11.2% | $90,970+38.0% | $158,966-21.0% |
| Participation rate | 80.0% | 74.7%+5.3pp | 69.0%+11.0pp | 82.0%-2.0pp |
| Annual return | 16.83% | 215.79%-199.0pp | 134.58%-117.7pp | 302.95%-286.1pp |
| Employer contribution / active EE | $30 | $2,895-99.0% | $2,122-98.6% | $4,762-99.4% |
| Participant deferral / active EE | $1,604 | $4,129-61.2% | $3,373-52.5% | $5,983-73.2% |
| Admin fee / account holder | $16,302 | $8,045+102.6% | $5,960+173.5% | $11,250+44.9% |