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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 | $48,977 | $176,105-72.2% | $159,474-69.3% | $167,536-70.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.12% | 331.91%-318.8pp | 263.68%-250.6pp | 478.82%-465.7pp |
| Employer contribution / active EE | $750 | $5,299-85.8% | $4,831-84.5% | $4,839-84.5% |
| Participant deferral / active EE | $7,917 | $7,751+2.1% | $7,353+7.7% | $6,342+24.8% |
| Admin fee / account holder | $1,143 | $12,559-90.9% | $10,802-89.4% | $12,315-90.7% |