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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 | $176,319 | $171,867+2.6% | $149,721+17.8% | $147,586+19.5% |
| Participation rate | 71.4% | 88.2%-16.8pp | 87.1%-15.6pp | 82.8%-11.4pp |
| Annual return | 22.27% | 2113.36%-2091.1pp | 1501.67%-1479.4pp | 578.59%-556.3pp |
| Employer contribution / active EE | $822 | $6,275-86.9% | $5,444-84.9% | $4,876-83.1% |
| Participant deferral / active EE | $3,803 | $7,270-47.7% | $6,568-42.1% | $5,439-30.1% |
| Admin fee / account holder | $6,494 | $13,799-52.9% | $11,282-42.4% | $10,886-40.3% |