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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 | $31,985 | $202,342-84.2% | $172,753-81.5% | $152,909-79.1% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 19.37% | 1029.88%-1010.5pp | 803.00%-783.6pp | 345.46%-326.1pp |
| Employer contribution / active EE | $675 | $5,857-88.5% | $5,144-86.9% | $4,764-85.8% |
| Participant deferral / active EE | $7,235 | $5,948+21.6% | $5,198+39.2% | $5,851+23.6% |
| Admin fee / account holder | $360 | $17,112-97.9% | $13,956-97.4% | $11,601-96.9% |