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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 | $85,082 | $138,102-38.4% | $125,381-32.1% | $134,532-36.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -14.73% | 750.73%-765.5pp | 572.31%-587.0pp | 418.27%-433.0pp |
| Employer contribution / active EE | $860 | $5,245-83.6% | $4,815-82.1% | $4,741-81.9% |
| Participant deferral / active EE | $15,330 | $7,801+96.5% | $7,448+105.8% | $6,401+139.5% |
| Admin fee / account holder | $7,099 | $11,568-38.6% | $10,007-29.1% | $11,429-37.9% |