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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 | $49,657 | $102,696-51.6% | $86,235-42.4% | $139,487-64.4% |
| Participation rate | 90.0% | 74.5%+15.5pp | 69.0%+21.0pp | 80.3%+9.7pp |
| Annual return | 19.07% | 1925.91%-1906.8pp | 1170.03%-1151.0pp | 373.84%-354.8pp |
| Employer contribution / active EE | $526 | $3,034-82.7% | $2,381-77.9% | $4,755-88.9% |
| Participant deferral / active EE | $10,934 | $4,679+133.7% | $3,987+174.3% | $6,713+62.9% |
| Admin fee / account holder | $412 | $8,667-95.2% | $6,856-94.0% | $11,407-96.4% |