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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 | $145,444 | $176,105-17.4% | $159,474-8.8% | $167,536-13.2% |
| Participation rate | 75.0% | 85.0%-10.0pp | 82.8%-7.8pp | 82.1%-7.1pp |
| Annual return | 13.25% | 331.91%-318.7pp | 263.68%-250.4pp | 478.82%-465.6pp |
| Employer contribution / active EE | $0 | $5,299-100.0% | $4,831-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $3,452 | $7,751-55.5% | $7,353-53.1% | $6,342-45.6% |
| Admin fee / account holder | $75,948 | $12,559+504.7% | $10,802+603.1% | $12,315+516.7% |