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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 | $90,844 | $58,391+55.6% | $76,657+18.5% | $72,975+24.5% |
| Participation rate | 97.1% | 67.4%+29.7pp | 72.1%+25.0pp | 69.5%+27.6pp |
| Annual return | 18.13% | 2306.65%-2288.5pp | 1166.74%-1148.6pp | 81.01%-62.9pp |
| Employer contribution / active EE | $6 | $1,787-99.7% | $2,303-99.8% | $2,440-99.8% |
| Participant deferral / active EE | $2,567 | $2,690-4.6% | $3,335-23.0% | $3,608-28.8% |
| Admin fee / account holder | $1,983 | $4,014-50.6% | $6,423-69.1% | $5,124-61.3% |