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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 | $69,857 | $157,276-55.6% | $141,177-50.5% | $152,885-54.3% |
| Participation rate | 81.8% | 84.8%-3.0pp | 82.5%-0.7pp | 82.5%-0.6pp |
| Annual return | 8326.51% | 64.33%+8262.2pp | 71.40%+8255.1pp | 345.39%+7981.1pp |
| Employer contribution / active EE | $0 | $5,262-100.0% | $4,736-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $4,352 | $7,110-38.8% | $6,710-35.1% | $5,851-25.6% |
| Admin fee / account holder | $790 | $12,123-93.5% | $10,263-92.3% | $11,598-93.2% |