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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 | $121,798 | $150,442-19.0% | $136,295-10.6% | $147,585-17.5% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 19.40% | 1049.09%-1029.7pp | 5155.97%-5136.6pp | 578.56%-559.2pp |
| Employer contribution / active EE | $857 | $5,256-83.7% | $4,695-81.7% | $4,876-82.4% |
| Participant deferral / active EE | $12,012 | $6,630+81.2% | $6,247+92.3% | $5,439+120.9% |
| Admin fee / account holder | $1,553 | $10,905-85.8% | $9,243-83.2% | $10,885-85.7% |