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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 | $167,658 | $175,259-4.3% | $149,723+12.0% | $139,487+20.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 20.63% | 166.82%-146.2pp | 134.50%-113.9pp | 373.84%-353.2pp |
| Employer contribution / active EE | $9 | $5,478-99.8% | $4,821-99.8% | $4,755-99.8% |
| Participant deferral / active EE | $7,430 | $6,522+13.9% | $5,682+30.8% | $6,713+10.7% |
| Admin fee / account holder | $1,361 | $16,158-91.6% | $13,215-89.7% | $11,407-88.1% |