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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 | $103,831 | $132,634-21.7% | $115,768-10.3% | $137,256-24.4% |
| Participation rate | 94.1% | 77.9%+16.2pp | 74.4%+19.7pp | 80.0%+14.2pp |
| Annual return | 13.82% | 160.70%-146.9pp | 100.46%-86.6pp | 220.34%-206.5pp |
| Employer contribution / active EE | $598 | $3,360-82.2% | $2,940-79.7% | $4,156-85.6% |
| Participant deferral / active EE | $5,887 | $5,619+4.8% | $4,917+19.7% | $6,407-8.1% |
| Admin fee / account holder | $3,129 | $15,028-79.2% | $12,439-74.8% | $12,270-74.5% |