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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 | $185,436 | $184,000+0.8% | $162,185+14.3% | $152,909+21.3% |
| Participation rate | 71.4% | 88.5%-17.1pp | 87.6%-16.1pp | 82.5%-11.0pp |
| Annual return | 20.59% | 150.80%-130.2pp | 115.61%-95.0pp | 345.46%-324.9pp |
| Employer contribution / active EE | $1,041 | $6,370-83.7% | $5,613-81.5% | $4,764-78.2% |
| Participant deferral / active EE | $3,512 | $8,033-56.3% | $7,297-51.9% | $5,851-40.0% |
| Admin fee / account holder | $552 | $13,124-95.8% | $10,844-94.9% | $11,601-95.2% |