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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,056 | $94,031-36.1% | $115,768-48.1% | $82,448-27.2% |
| Participation rate | 91.2% | 70.4%+20.8pp | 74.4%+16.8pp | 68.1%+23.1pp |
| Annual return | 14.80% | 20.61%-5.8pp | 100.46%-85.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $391 | $2,323-83.2% | $2,940-86.7% | $2,551-84.7% |
| Participant deferral / active EE | $3,460 | $3,972-12.9% | $4,917-29.6% | $4,139-16.4% |
| Admin fee / account holder | $8,413 | $10,249-17.9% | $12,439-32.4% | $7,234+16.3% |