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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 | $32,882 | $96,691-66.0% | $86,656-62.1% | $139,487-76.4% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 20.65% | 106.87%-86.2pp | 593.09%-572.4pp | 373.84%-353.2pp |
| Employer contribution / active EE | $0 | $3,267-100.0% | $3,025-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $5,229 | $4,838+8.1% | $4,439+17.8% | $6,713-22.1% |
| Admin fee / account holder | $421 | $6,414-93.4% | $5,619-92.5% | $11,407-96.3% |