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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 | $107,289 | $202,342-47.0% | $172,753-37.9% | $152,909-29.8% |
| Participation rate | 73.3% | 87.1%-13.7pp | 82.6%-9.3pp | 82.5%-9.1pp |
| Annual return | 23.68% | 1029.88%-1006.2pp | 803.00%-779.3pp | 345.46%-321.8pp |
| Employer contribution / active EE | $1,091 | $5,857-81.4% | $5,144-78.8% | $4,764-77.1% |
| Participant deferral / active EE | $2,582 | $5,948-56.6% | $5,198-50.3% | $5,851-55.9% |
| Admin fee / account holder | $3,674 | $17,112-78.5% | $13,956-73.7% | $11,601-68.3% |