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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 | $97,464 | $132,099-26.2% | $115,599-15.7% | $138,895-29.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 18.62% | 176.76%-158.1pp | 111.10%-92.5pp | 145.39%-126.8pp |
| Employer contribution / active EE | $651 | $3,416-80.9% | $2,955-78.0% | $4,194-84.5% |
| Participant deferral / active EE | $5,586 | $5,617-0.6% | $4,889+14.2% | $6,396-12.7% |
| Admin fee / account holder | $1,135 | $15,650-92.7% | $12,841-91.2% | $12,562-91.0% |