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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 | $111,256 | $217,432-48.8% | $185,851-40.1% | $167,553-33.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 18.22% | 148.43%-130.2pp | 122.11%-103.9pp | 478.89%-460.7pp |
| Employer contribution / active EE | $957 | $5,874-83.7% | $5,168-81.5% | $4,840-80.2% |
| Participant deferral / active EE | $5,652 | $6,357-11.1% | $5,569+1.5% | $6,343-10.9% |
| Admin fee / account holder | $1,227 | $19,820-93.8% | $16,245-92.4% | $12,316-90.0% |