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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 | $106,629 | $58,311+82.9% | $81,882+30.2% | $80,959+31.7% |
| Participation rate | 92.7% | 63.5%+29.2pp | 72.4%+20.3pp | 67.7%+25.0pp |
| Annual return | 18.11% | 41.85%-23.7pp | 779.47%-761.4pp | 35.67%-17.6pp |
| Employer contribution / active EE | $259 | $2,347-89.0% | $2,916-91.1% | $2,757-90.6% |
| Participant deferral / active EE | $1,784 | $3,287-45.7% | $4,323-58.7% | $4,300-58.5% |
| Admin fee / account holder | $6,982 | $4,752+46.9% | $7,360-5.1% | $6,925+0.8% |