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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 | $150,442-29.6% | $136,295-22.3% | $147,585-28.3% |
| Participation rate | 90.5% | 84.4%+6.1pp | 81.9%+8.6pp | 82.8%+7.6pp |
| Annual return | 22.00% | 1049.09%-1027.1pp | 5155.97%-5134.0pp | 578.56%-556.6pp |
| Employer contribution / active EE | $284 | $5,256-94.6% | $4,695-94.0% | $4,876-94.2% |
| Participant deferral / active EE | $8,467 | $6,630+27.7% | $6,247+35.5% | $5,439+55.7% |
| Admin fee / account holder | $4,969 | $10,905-54.4% | $9,243-46.2% | $10,885-54.4% |