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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 | $118,282 | $178,174-33.6% | $156,181-24.3% | $137,256-13.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 20.67% | 84.19%-63.5pp | 64.87%-44.2pp | 220.34%-199.7pp |
| Employer contribution / active EE | $731 | $4,972-85.3% | $4,294-83.0% | $4,156-82.4% |
| Participant deferral / active EE | $22,500 | $6,888+226.7% | $6,132+266.9% | $6,407+251.2% |
| Admin fee / account holder | $521 | $17,404-97.0% | $14,586-96.4% | $12,270-95.8% |