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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 | $125,331 | $93,589+33.9% | $135,942-7.8% | $75,181+66.7% |
| Participation rate | 82.4% | 75.2%+7.2pp | 81.9%+0.4pp | 67.2%+15.2pp |
| Annual return | 22.86% | 30.90%-8.0pp | 68.28%-45.4pp | 160.69%-137.8pp |
| Employer contribution / active EE | $296 | $3,537-91.6% | $4,858-93.9% | $2,671-88.9% |
| Participant deferral / active EE | $5,804 | $6,405-9.4% | $7,759-25.2% | $4,126+40.7% |
| Admin fee / account holder | $536 | $6,977-92.3% | $10,764-95.0% | $5,650-90.5% |