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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 | $150,959 | $138,102+9.3% | $125,381+20.4% | $134,532+12.2% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+1.0pp | 81.2%+2.1pp |
| Annual return | 0.00% | 750.73%-750.7pp | 572.31%-572.3pp | 418.27%-418.3pp |
| Employer contribution / active EE | $679 | $5,245-87.1% | $4,815-85.9% | $4,741-85.7% |
| Participant deferral / active EE | $3,450 | $7,801-55.8% | $7,448-53.7% | $6,401-46.1% |
| Admin fee / account holder | $4,770 | $11,568-58.8% | $10,007-52.3% | $11,429-58.3% |