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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 | $116,162 | $102,938+12.8% | $94,105+23.4% | $138,895-16.4% |
| Participation rate | 80.0% | 74.6%+5.4pp | 71.9%+8.1pp | 79.9%+0.1pp |
| Annual return | 11.14% | 250.28%-239.1pp | 204.55%-193.4pp | 145.39%-134.3pp |
| Employer contribution / active EE | $55 | $2,732-98.0% | $2,504-97.8% | $4,194-98.7% |
| Participant deferral / active EE | $1,011 | $4,196-75.9% | $3,881-73.9% | $6,396-84.2% |
| Admin fee / account holder | $1,255 | $6,600-81.0% | $6,199-79.8% | $12,562-90.0% |