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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 | $115,415 | $165,361-30.2% | $149,715-22.9% | $158,950-27.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.29% | 348.24%-333.9pp | 276.66%-262.4pp | 302.91%-288.6pp |
| Employer contribution / active EE | $649 | $5,103-87.3% | $4,645-86.0% | $4,762-86.4% |
| Participant deferral / active EE | $8,208 | $7,182+14.3% | $6,842+20.0% | $5,983+37.2% |
| Admin fee / account holder | $3,144 | $10,808-70.9% | $9,310-66.2% | $11,248-72.0% |