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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 | $126,077 | $98,776+27.6% | $149,745-15.8% | $79,856+57.9% |
| Participation rate | 92.0% | 75.8%+16.2pp | 82.5%+9.5pp | 69.6%+22.4pp |
| Annual return | 21.52% | 27.38%-5.9pp | 276.72%-255.2pp | 31.71%-10.2pp |
| Employer contribution / active EE | $138 | $3,217-95.7% | $4,646-97.0% | $2,471-94.4% |
| Participant deferral / active EE | $9,143 | $5,681+60.9% | $6,843+33.6% | $3,741+144.4% |
| Admin fee / account holder | $3,325 | $6,053-45.1% | $9,312-64.3% | $5,306-37.3% |