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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 | $192,572 | $135,956+41.6% | $123,894+55.4% | $273,972-29.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 8.48% | 56.63%-48.1pp | 47.52%-39.0pp | 41.46%-33.0pp |
| Employer contribution / active EE | $27 | $5,170-99.5% | $4,617-99.4% | $4,869-99.4% |
| Participant deferral / active EE | $4,963 | $6,343-21.8% | $5,984-17.1% | $5,287-6.1% |
| Admin fee / account holder | $34,506 | $9,817+251.5% | $8,357+312.9% | $10,133+240.5% |