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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 | $98,560 | $96,236+2.4% | $133,698-26.3% | $80,959+21.7% |
| Participation rate | 92.6% | 71.2%+21.4pp | 76.4%+16.2pp | 67.7%+25.0pp |
| Annual return | 120.30% | 28.74%+91.6pp | 580.90%-460.6pp | 35.67%+84.6pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $4,218-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $11,332 | $5,709+98.5% | $7,016+61.5% | $4,300+163.5% |
| Admin fee / account holder | $3,981 | $8,250-51.7% | $6,703-40.6% | $6,925-42.5% |