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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 | $136,686 | $217,432-37.1% | $185,849-26.5% | $167,536-18.4% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 16.86% | 148.42%-131.6pp | 122.10%-105.2pp | 478.82%-462.0pp |
| Employer contribution / active EE | $915 | $5,875-84.4% | $5,169-82.3% | $4,839-81.1% |
| Participant deferral / active EE | $3,982 | $6,357-37.4% | $5,569-28.5% | $6,342-37.2% |
| Admin fee / account holder | $3,927 | $19,818-80.2% | $16,244-75.8% | $12,315-68.1% |