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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 | $34,926 | $185,883-81.2% | $170,043-79.5% | $139,466-75.0% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 27.03% | 60.54%-33.5pp | 53.40%-26.4pp | 373.66%-346.6pp |
| Employer contribution / active EE | $1,241 | $7,596-83.7% | $6,790-81.7% | $4,754-73.9% |
| Participant deferral / active EE | $14,020 | $11,626+20.6% | $10,410+34.7% | $6,712+108.9% |
| Admin fee / account holder | $349 | $15,393-97.7% | $12,824-97.3% | $11,409-96.9% |