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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 | $55,471 | $65,395-15.2% | $182,558-69.6% | $72,976-24.0% |
| Participation rate | 72.4% | 65.4%+7.0pp | 78.0%-5.6pp | 69.5%+2.9pp |
| Annual return | 23.27% | 27.68%-4.4pp | 148.59%-125.3pp | 81.02%-57.7pp |
| Employer contribution / active EE | $91 | $1,911-95.2% | $4,076-97.8% | $2,440-96.3% |
| Participant deferral / active EE | $6,182 | $3,563+73.5% | $5,526+11.9% | $3,608+71.4% |
| Admin fee / account holder | $8,443 | $4,245+98.9% | $8,594-1.8% | $5,124+64.8% |