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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 | $47,387 | $175,212-73.0% | $149,682-68.3% | $139,427-66.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.69% | 166.63%-150.9pp | 134.35%-118.7pp | 373.27%-357.6pp |
| Employer contribution / active EE | $825 | $5,475-84.9% | $4,818-82.9% | $4,752-82.6% |
| Participant deferral / active EE | $5,656 | $6,520-13.2% | $5,681-0.4% | $6,711-15.7% |
| Admin fee / account holder | $791 | $16,150-95.1% | $13,210-94.0% | $11,404-93.1% |