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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 | $46,283 | $159,978-71.1% | $147,041-68.5% | $145,978-68.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.31% | 98.36%-82.1pp | 419.21%-402.9pp | 550.52%-534.2pp |
| Employer contribution / active EE | $703 | $5,288-86.7% | $4,935-85.7% | $4,662-84.9% |
| Participant deferral / active EE | $7,579 | $8,429-10.1% | $8,071-6.1% | $6,690+13.3% |
| Admin fee / account holder | $10,775 | $15,053-28.4% | $13,006-17.2% | $13,400-19.6% |