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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 | $98,667 | $78,705+25.4% | $117,860-16.3% | $70,124+40.7% |
| Participation rate | 100.0% | 73.2%+26.8pp | 79.7%+20.3pp | 69.5%+30.5pp |
| Annual return | 13.38% | 23.30%-9.9pp | 335.10%-321.7pp | 73.14%-59.8pp |
| Employer contribution / active EE | $497 | $2,223-77.7% | $3,786-86.9% | $2,342-78.8% |
| Participant deferral / active EE | $4,061 | $3,297+23.2% | $4,482-9.4% | $3,332+21.9% |
| Admin fee / account holder | $859 | $5,065-83.0% | $8,021-89.3% | $4,645-81.5% |