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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 | $61,972 | $96,419-35.7% | $80,648-23.2% | $139,487-55.6% |
| Participation rate | 94.7% | 73.6%+21.1pp | 67.0%+27.7pp | 80.3%+14.4pp |
| Annual return | 20.46% | 1352.86%-1332.4pp | 937.21%-916.8pp | 373.84%-353.4pp |
| Employer contribution / active EE | $0 | $3,261-100.0% | $2,724-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $4,380 | $5,225-16.2% | $4,443-1.4% | $6,713-34.8% |
| Admin fee / account holder | $1,207 | $6,605-81.7% | $5,382-77.6% | $11,407-89.4% |