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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 | $111,780 | $138,102-19.1% | $125,381-10.8% | $134,532-16.9% |
| Participation rate | 88.9% | 84.5%+4.4pp | 82.4%+6.5pp | 81.2%+7.7pp |
| Annual return | -9.87% | 750.73%-760.6pp | 572.31%-582.2pp | 418.27%-428.1pp |
| Employer contribution / active EE | $201 | $5,245-96.2% | $4,815-95.8% | $4,741-95.8% |
| Participant deferral / active EE | $6,288 | $7,801-19.4% | $7,448-15.6% | $6,401-1.8% |
| Admin fee / account holder | $11,122 | $11,568-3.9% | $10,007+11.1% | $11,429-2.7% |