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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 | $120,768 | $160,070-24.6% | $147,117-17.9% | $145,897-17.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.21% | 98.69%-87.5pp | 420.54%-409.3pp | 552.29%-541.1pp |
| Employer contribution / active EE | $637 | $5,285-88.0% | $4,932-87.1% | $4,663-86.3% |
| Participant deferral / active EE | $11,875 | $8,419+41.0% | $8,065+47.2% | $6,689+77.5% |
| Admin fee / account holder | $4,035 | $15,035-73.2% | $12,993-68.9% | $13,390-69.9% |