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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 | $154,884 | $150,447+2.9% | $136,298+13.6% | $147,586+4.9% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 13.05% | 1049.15%-1036.1pp | 5156.27%-5143.2pp | 578.59%-565.5pp |
| Employer contribution / active EE | $500 | $5,256-90.5% | $4,696-89.4% | $4,876-89.7% |
| Participant deferral / active EE | $7,458 | $6,631+12.5% | $6,247+19.4% | $5,439+37.1% |
| Admin fee / account holder | $1,507 | $10,906-86.2% | $9,244-83.7% | $10,886-86.2% |