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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 | $131,605 | $138,114-4.7% | $125,391+5.0% | $134,545-2.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -9.25% | 750.88%-760.1pp | 572.41%-581.7pp | 418.37%-427.6pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,816-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $8,422 | $7,801+8.0% | $7,448+13.1% | $6,401+31.6% |
| Admin fee / account holder | $419 | $11,570-96.4% | $10,009-95.8% | $11,431-96.3% |