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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 | $147,600 | $160,070-7.8% | $147,117+0.3% | $145,897+1.2% |
| Participation rate | 94.1% | 84.0%+10.1pp | 82.2%+11.9pp | 80.3%+13.8pp |
| Annual return | 11.64% | 98.69%-87.0pp | 420.54%-408.9pp | 552.29%-540.7pp |
| Employer contribution / active EE | $0 | $5,285-100.0% | $4,932-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,586 | $8,419-9.9% | $8,065-5.9% | $6,689+13.4% |
| Admin fee / account holder | $3,725 | $15,035-75.2% | $12,993-71.3% | $13,390-72.2% |