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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 | $54,353 | $185,883-70.8% | $170,043-68.0% | $139,466-61.0% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 13.27% | 60.54%-47.3pp | 53.40%-40.1pp | 373.66%-360.4pp |
| Employer contribution / active EE | $404 | $7,596-94.7% | $6,790-94.1% | $4,754-91.5% |
| Participant deferral / active EE | $7,205 | $11,626-38.0% | $10,410-30.8% | $6,712+7.4% |
| Admin fee / account holder | $12,037 | $15,393-21.8% | $12,824-6.1% | $11,409+5.5% |