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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 | $113,859 | $157,304-27.6% | $141,197-19.4% | $152,909-25.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.20% | 64.34%-45.1pp | 71.41%-52.2pp | 345.46%-326.3pp |
| Employer contribution / active EE | $796 | $5,263-84.9% | $4,736-83.2% | $4,764-83.3% |
| Participant deferral / active EE | $11,272 | $7,111+58.5% | $6,710+68.0% | $5,851+92.6% |
| Admin fee / account holder | $29,610 | $12,126+144.2% | $10,265+188.5% | $11,601+155.2% |