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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 | $131,092 | $150,447-12.9% | $136,298-3.8% | $147,586-11.2% |
| Participation rate | 84.2% | 84.4%-0.2pp | 81.9%+2.3pp | 82.8%+1.4pp |
| Annual return | 16.26% | 1049.15%-1032.9pp | 5156.27%-5140.0pp | 578.59%-562.3pp |
| Employer contribution / active EE | $595 | $5,256-88.7% | $4,696-87.3% | $4,876-87.8% |
| Participant deferral / active EE | $6,120 | $6,631-7.7% | $6,247-2.0% | $5,439+12.5% |
| Admin fee / account holder | $3,625 | $10,906-66.8% | $9,244-60.8% | $10,886-66.7% |