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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 | $107,179 | $150,447-28.8% | $136,298-21.4% | $147,586-27.4% |
| Participation rate | 80.0% | 84.4%-4.4pp | 81.9%-1.9pp | 82.8%-2.8pp |
| Annual return | 13.60% | 1049.15%-1035.6pp | 5156.27%-5142.7pp | 578.59%-565.0pp |
| Employer contribution / active EE | $718 | $5,256-86.3% | $4,696-84.7% | $4,876-85.3% |
| Participant deferral / active EE | $7,175 | $6,631+8.2% | $6,247+14.9% | $5,439+31.9% |
| Admin fee / account holder | $17,072 | $10,906+56.5% | $9,244+84.7% | $10,886+56.8% |