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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 | $8,619 | $76,522-88.7% | $56,033-84.6% | $145,884-94.1% |
| Participation rate | 83.3% | 63.2%+20.1pp | 52.5%+30.8pp | 80.3%+3.0pp |
| Annual return | 11.50% | 3014.28%-3002.8pp | 1711.38%-1699.9pp | 551.85%-540.3pp |
| Employer contribution / active EE | $0 | $1,382-100.0% | $1,041-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $3,774 | $2,624+43.8% | $1,954+93.2% | $6,690-43.6% |
| Admin fee / account holder | $1,817 | $3,328-45.4% | $2,827-35.7% | $13,392-86.4% |