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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 | $181,611 | $209,874-13.5% | $189,537-4.2% | $167,536+8.4% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 11.34% | 748.61%-737.3pp | 555.34%-544.0pp | 478.82%-467.5pp |
| Employer contribution / active EE | $1,428 | $6,913-79.3% | $6,161-76.8% | $4,839-70.5% |
| Participant deferral / active EE | $4,047 | $8,934-54.7% | $8,220-50.8% | $6,342-36.2% |
| Admin fee / account holder | $2,518 | $14,299-82.4% | $12,048-79.1% | $12,315-79.6% |