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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 | $67,223 | $124,330-45.9% | $109,173-38.4% | $167,536-59.9% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 251.15% | 26.04%+225.1pp | 25.75%+225.4pp | 478.82%-227.7pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $11,100 | $5,256+111.2% | $4,654+138.5% | $6,342+75.0% |
| Admin fee / account holder | $382 | $7,974-95.2% | $6,755-94.3% | $12,315-96.9% |