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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 | $33,081 | $202,342-83.7% | $172,752-80.9% | $152,897-78.4% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 23.71% | 1029.83%-1006.1pp | 802.97%-779.3pp | 345.43%-321.7pp |
| Employer contribution / active EE | $872 | $5,858-85.1% | $5,144-83.0% | $4,764-81.7% |
| Participant deferral / active EE | $5,913 | $5,948-0.6% | $5,198+13.8% | $5,851+1.1% |
| Admin fee / account holder | $810 | $17,111-95.3% | $13,955-94.2% | $11,599-93.0% |