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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 | $194,170 | $190,916+1.7% | $160,037+21.3% | $134,545+44.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -10.61% | 552.79%-563.4pp | 408.95%-419.6pp | 418.37%-429.0pp |
| Employer contribution / active EE | $599 | $4,996-88.0% | $4,226-85.8% | $4,742-87.4% |
| Participant deferral / active EE | $6,825 | $6,925-1.4% | $6,184+10.4% | $6,401+6.6% |
| Admin fee / account holder | $1,943 | $10,497-81.5% | $8,716-77.7% | $11,431-83.0% |