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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 | $117,066 | $185,905-37.0% | $170,057-31.2% | $139,487-16.1% |
| Participation rate | 84.2% | 87.8%-3.6pp | 87.0%-2.8pp | 80.3%+3.9pp |
| Annual return | 0.00% | 60.56%-60.6pp | 53.42%-53.4pp | 373.84%-373.8pp |
| Employer contribution / active EE | $1,306 | $7,597-82.8% | $6,790-80.8% | $4,755-72.5% |
| Participant deferral / active EE | $3,291 | $11,627-71.7% | $10,411-68.4% | $6,713-51.0% |
| Admin fee / account holder | $2,375 | $15,397-84.6% | $12,826-81.5% | $11,407-79.2% |