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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 | $156,050 | $138,076+13.0% | $123,553+26.3% | $135,380+15.3% |
| Participation rate | 92.9% | 84.7%+8.1pp | 82.3%+10.6pp | 82.6%+10.2pp |
| Annual return | -6.11% | 153.70%-159.8pp | 119.21%-125.3pp | 519.81%-525.9pp |
| Employer contribution / active EE | $794 | $5,152-84.6% | $4,628-82.8% | $4,779-83.4% |
| Participant deferral / active EE | $9,937 | $6,800+46.1% | $6,426+54.6% | $5,609+77.2% |
| Admin fee / account holder | $2,959 | $10,917-72.9% | $9,284-68.1% | $10,828-72.7% |