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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 | $140,136 | $171,867-18.5% | $149,721-6.4% | $147,586-5.0% |
| Participation rate | 84.6% | 88.2%-3.6pp | 87.1%-2.5pp | 82.8%+1.8pp |
| Annual return | 15.12% | 2113.36%-2098.2pp | 1501.67%-1486.6pp | 578.59%-563.5pp |
| Employer contribution / active EE | $0 | $6,275-100.0% | $5,444-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $8,942 | $7,270+23.0% | $6,568+36.1% | $5,439+64.4% |
| Admin fee / account holder | $1,502 | $13,799-89.1% | $11,282-86.7% | $10,886-86.2% |