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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 | $39,603 | $150,447-73.7% | $136,298-70.9% | $147,586-73.2% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 12.65% | 1049.15%-1036.5pp | 5156.27%-5143.6pp | 578.59%-565.9pp |
| Employer contribution / active EE | $140 | $5,256-97.3% | $4,696-97.0% | $4,876-97.1% |
| Participant deferral / active EE | $4,427 | $6,631-33.2% | $6,247-29.1% | $5,439-18.6% |
| Admin fee / account holder | $1,318 | $10,906-87.9% | $9,244-85.7% | $10,886-87.9% |