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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 | $69,701 | $183,592-62.0% | $155,574-55.2% | $145,877-52.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.95% | 61.37%-47.4pp | 64.87%-50.9pp | 551.28%-537.3pp |
| Employer contribution / active EE | $621 | $5,317-88.3% | $4,676-86.7% | $4,663-86.7% |
| Participant deferral / active EE | $12,634 | $6,466+95.4% | $5,629+124.4% | $6,691+88.8% |
| Admin fee / account holder | $336 | $19,316-98.3% | $15,914-97.9% | $13,402-97.5% |