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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 | $167,722 | $184,000-8.8% | $162,185+3.4% | $152,909+9.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 27.89% | 150.80%-122.9pp | 115.61%-87.7pp | 345.46%-317.6pp |
| Employer contribution / active EE | $120 | $6,370-98.1% | $5,613-97.9% | $4,764-97.5% |
| Participant deferral / active EE | $14,447 | $8,033+79.9% | $7,297+98.0% | $5,851+146.9% |
| Admin fee / account holder | $32,859 | $13,124+150.4% | $10,844+203.0% | $11,601+183.3% |