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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 | $103,405 | $105,200-1.7% | $159,474-35.2% | $85,847+20.5% |
| Participation rate | 82.8% | 75.8%+7.0pp | 82.8%-0.1pp | 69.3%+13.4pp |
| Annual return | 13.12% | 45.08%-32.0pp | 263.68%-250.6pp | 318.61%-305.5pp |
| Employer contribution / active EE | $345 | $3,319-89.6% | $4,831-92.9% | $2,565-86.6% |
| Participant deferral / active EE | $5,328 | $5,946-10.4% | $7,353-27.5% | $3,952+34.8% |
| Admin fee / account holder | $4,992 | $6,934-28.0% | $10,802-53.8% | $6,261-20.3% |