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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 | $157,009 | $171,867-8.6% | $149,721+4.9% | $147,586+6.4% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 17.46% | 2113.36%-2095.9pp | 1501.67%-1484.2pp | 578.59%-561.1pp |
| Employer contribution / active EE | $1,250 | $6,275-80.1% | $5,444-77.0% | $4,876-74.4% |
| Participant deferral / active EE | $5,556 | $7,270-23.6% | $6,568-15.4% | $5,439+2.1% |
| Admin fee / account holder | $1,746 | $13,799-87.3% | $11,282-84.5% | $10,886-84.0% |