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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 | $93,096 | $138,102-32.6% | $125,381-25.8% | $134,532-30.8% |
| Participation rate | 82.4% | 84.5%-2.1pp | 82.4%0pp | 81.2%+1.1pp |
| Annual return | -13.98% | 750.73%-764.7pp | 572.31%-586.3pp | 418.27%-432.2pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,815-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $6,511 | $7,801-16.5% | $7,448-12.6% | $6,401+1.7% |
| Admin fee / account holder | $4,861 | $11,568-58.0% | $10,007-51.4% | $11,429-57.5% |