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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 | $186,008 | $176,077+5.6% | $159,455+16.7% | $167,518+11.0% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.38% | 331.83%-321.5pp | 263.63%-253.3pp | 478.71%-468.3pp |
| Employer contribution / active EE | $590 | $5,298-88.9% | $4,830-87.8% | $4,838-87.8% |
| Participant deferral / active EE | $12,739 | $7,751+64.4% | $7,353+73.3% | $6,342+100.9% |
| Admin fee / account holder | $1,350 | $12,556-89.3% | $10,800-87.5% | $12,312-89.0% |