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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 | $57,350 | $185,905-69.2% | $170,057-66.3% | $139,487-58.9% |
| Participation rate | 79.2% | 87.8%-8.6pp | 87.0%-7.8pp | 80.3%-1.2pp |
| Annual return | 1516.89% | 60.56%+1456.3pp | 53.42%+1463.5pp | 373.84%+1143.0pp |
| Employer contribution / active EE | $0 | $7,597-100.0% | $6,790-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $6,256 | $11,627-46.2% | $10,411-39.9% | $6,713-6.8% |
| Admin fee / account holder | $560 | $15,397-96.4% | $12,826-95.6% | $11,407-95.1% |