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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 | $100,406 | $89,367+12.4% | $141,191-28.9% | $72,975+37.6% |
| Participation rate | 82.9% | 75.1%+7.8pp | 82.5%+0.5pp | 69.5%+13.4pp |
| Annual return | 27.02% | 111.87%-84.8pp | 71.41%-44.4pp | 81.01%-54.0pp |
| Employer contribution / active EE | $321 | $3,115-89.7% | $4,736-93.2% | $2,440-86.9% |
| Participant deferral / active EE | $5,223 | $5,419-3.6% | $6,710-22.2% | $3,608+44.8% |
| Admin fee / account holder | $7,585 | $5,957+27.3% | $10,264-26.1% | $5,124+48.0% |