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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 | $87,312 | $171,867-49.2% | $149,721-41.7% | $147,586-40.8% |
| Participation rate | 75.0% | 88.2%-13.2pp | 87.1%-12.1pp | 82.8%-7.8pp |
| Annual return | 26.33% | 2113.36%-2087.0pp | 1501.67%-1475.3pp | 578.59%-552.3pp |
| Employer contribution / active EE | $0 | $6,275-100.0% | $5,444-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $9,031 | $7,270+24.2% | $6,568+37.5% | $5,439+66.1% |
| Admin fee / account holder | $2,034 | $13,799-85.3% | $11,282-82.0% | $10,886-81.3% |