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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 | $151,075 | $160,059-5.6% | $140,019+7.9% | $135,380+11.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -7.94% | 911.48%-919.4pp | 651.17%-659.1pp | 519.81%-527.7pp |
| Employer contribution / active EE | $866 | $6,420-86.5% | $5,605-84.5% | $4,779-81.9% |
| Participant deferral / active EE | $5,664 | $7,641-25.9% | $6,927-18.2% | $5,609+1.0% |
| Admin fee / account holder | $1,961 | $13,328-85.3% | $10,705-81.7% | $10,828-81.9% |