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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 | $108,075 | $138,114-21.7% | $125,391-13.8% | $134,545-19.7% |
| Participation rate | 75.0% | 84.5%-9.5pp | 82.4%-7.4pp | 81.2%-6.2pp |
| Annual return | -16.94% | 750.88%-767.8pp | 572.41%-589.4pp | 418.37%-435.3pp |
| Employer contribution / active EE | $777 | $5,246-85.2% | $4,816-83.9% | $4,742-83.6% |
| Participant deferral / active EE | $18,325 | $7,801+134.9% | $7,448+146.0% | $6,401+186.3% |
| Admin fee / account holder | $513 | $11,570-95.6% | $10,009-94.9% | $11,431-95.5% |