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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 | $32,124 | $160,028-79.9% | $147,080-78.2% | $145,884-78.0% |
| Participation rate | 94.1% | 84.0%+10.1pp | 82.2%+11.9pp | 80.3%+13.8pp |
| Annual return | 56.44% | 98.60%-42.2pp | 420.17%-363.7pp | 551.85%-495.4pp |
| Employer contribution / active EE | $531 | $5,286-90.0% | $4,933-89.2% | $4,662-88.6% |
| Participant deferral / active EE | $10,277 | $8,422+22.0% | $8,066+27.4% | $6,690+53.6% |
| Admin fee / account holder | $2,732 | $15,030-81.8% | $12,989-79.0% | $13,392-79.6% |