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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 | $57,679 | $114,119-49.5% | $107,187-46.2% | $138,895-58.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 12.38% | 273.21%-260.8pp | 204.55%-192.2pp | 145.39%-133.0pp |
| Employer contribution / active EE | $765 | $4,059-81.1% | $3,782-79.8% | $4,194-81.8% |
| Participant deferral / active EE | $7,026 | $5,538+26.9% | $5,096+37.9% | $6,396+9.8% |
| Admin fee / account holder | $2,119 | $10,024-78.9% | $9,162-76.9% | $12,562-83.1% |