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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 | $96,621 | $169,361-42.9% | $129,397-25.3% | $145,877-33.8% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.6%+30.4pp | 80.3%+19.7pp |
| Annual return | 11.75% | 14395.54%-14383.8pp | 9453.98%-9442.2pp | 551.28%-539.5pp |
| Employer contribution / active EE | $0 | $5,542-100.0% | $4,154-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $46,667 | $4,987+835.7% | $4,167+1019.8% | $6,691+597.5% |
| Admin fee / account holder | $7,728 | $9,903-22.0% | $7,679+0.6% | $13,402-42.3% |