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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 | $28,850 | $129,737-77.8% | $119,126-75.8% | $154,746-81.4% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 17.69% | 379.08%-361.4pp | 282.11%-264.4pp | 172.34%-154.6pp |
| Employer contribution / active EE | $455 | $4,375-89.6% | $4,034-88.7% | $4,379-89.6% |
| Participant deferral / active EE | $2,859 | $5,842-51.1% | $5,318-46.2% | $6,730-57.5% |
| Admin fee / account holder | $1,774 | $11,961-85.2% | $10,693-83.4% | $14,365-87.6% |