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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 | $33,929 | $102,393-66.9% | $147,041-76.9% | $80,911-58.1% |
| Participation rate | 84.9% | 75.9%+9.1pp | 82.2%+2.8pp | 67.6%+17.3pp |
| Annual return | 78.31% | 134.95%-56.6pp | 419.21%-340.9pp | 35.63%+42.7pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $17,052 | $6,647+156.5% | $8,071+111.3% | $4,297+296.8% |
| Admin fee / account holder | $821 | $7,943-89.7% | $13,006-93.7% | $6,935-88.2% |