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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 | $110,384 | $58,391+89.0% | $76,667+44.0% | $72,976+51.3% |
| Participation rate | 76.0% | 67.4%+8.6pp | 72.1%+3.9pp | 69.5%+6.5pp |
| Annual return | 22.27% | 2306.65%-2284.4pp | 1166.74%-1144.5pp | 81.02%-58.7pp |
| Employer contribution / active EE | $0 | $1,787-100.0% | $2,303-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,117 | $2,690+127.4% | $3,336+83.4% | $3,608+69.6% |
| Admin fee / account holder | $1,502 | $4,014-62.6% | $6,423-76.6% | $5,124-70.7% |