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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 | $28,812 | $138,114-79.1% | $125,391-77.0% | $134,545-78.6% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -20.44% | 750.88%-771.3pp | 572.41%-592.9pp | 418.37%-438.8pp |
| Employer contribution / active EE | -$783 | $5,246-114.9% | $4,816-116.3% | $4,742-116.5% |
| Participant deferral / active EE | $7,229 | $7,801-7.3% | $7,448-2.9% | $6,401+12.9% |
| Admin fee / account holder | $1,258 | $11,570-89.1% | $10,009-87.4% | $11,431-89.0% |