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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 | $81,566 | $202,342-59.7% | $172,753-52.8% | $152,909-46.7% |
| Participation rate | 85.7% | 87.1%-1.3pp | 82.6%+3.1pp | 82.5%+3.3pp |
| Annual return | 24.40% | 1029.88%-1005.5pp | 803.00%-778.6pp | 345.46%-321.1pp |
| Employer contribution / active EE | $1,047 | $5,857-82.1% | $5,144-79.6% | $4,764-78.0% |
| Participant deferral / active EE | $2,927 | $5,948-50.8% | $5,198-43.7% | $5,851-50.0% |
| Admin fee / account holder | $1,814 | $17,112-89.4% | $13,956-87.0% | $11,601-84.4% |