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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 | $118,300 | $132,099-10.4% | $115,599+2.3% | $138,895-14.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 12.45% | 176.76%-164.3pp | 111.10%-98.6pp | 145.39%-132.9pp |
| Employer contribution / active EE | $0 | $3,416-100.0% | $2,955-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $4,971 | $5,617-11.5% | $4,889+1.7% | $6,396-22.3% |
| Admin fee / account holder | $1,063 | $15,650-93.2% | $12,841-91.7% | $12,562-91.5% |