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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 | $138,813 | $217,427-36.2% | $185,837-25.3% | $167,518-17.1% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 13.76% | 148.39%-134.6pp | 122.08%-108.3pp | 478.71%-464.9pp |
| Employer contribution / active EE | $995 | $5,874-83.1% | $5,168-80.8% | $4,838-79.4% |
| Participant deferral / active EE | $5,778 | $6,357-9.1% | $5,568+3.8% | $6,342-8.9% |
| Admin fee / account holder | $1,830 | $19,816-90.8% | $16,241-88.7% | $12,312-85.1% |