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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 | $21,382 | $99,668-78.5% | $86,451-75.3% | $134,545-84.1% |
| Participation rate | 71.4% | 82.1%-10.6pp | 80.3%-8.9pp | 81.2%-9.8pp |
| Annual return | -13.73% | 6789.61%-6803.3pp | 4398.51%-4412.2pp | 418.37%-432.1pp |
| Employer contribution / active EE | $8 | $4,403-99.8% | $3,770-99.8% | $4,742-99.8% |
| Participant deferral / active EE | $2,412 | $7,249-66.7% | $6,953-65.3% | $6,401-62.3% |
| Admin fee / account holder | $1,011 | $8,377-87.9% | $6,734-85.0% | $11,431-91.2% |