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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 | $105,856 | $150,447-29.6% | $136,298-22.3% | $147,586-28.3% |
| Participation rate | 90.5% | 84.4%+6.1pp | 81.9%+8.6pp | 82.8%+7.6pp |
| Annual return | 22.00% | 1049.15%-1027.2pp | 5156.27%-5134.3pp | 578.59%-556.6pp |
| Employer contribution / active EE | $284 | $5,256-94.6% | $4,696-94.0% | $4,876-94.2% |
| Participant deferral / active EE | $8,467 | $6,631+27.7% | $6,247+35.5% | $5,439+55.7% |
| Admin fee / account holder | $4,969 | $10,906-54.4% | $9,244-46.2% | $10,886-54.4% |