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Participant 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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $431,018 | $209,336+105.9% | $197,124+118.7% | $137,256+214.0% |
| Participation rate | 80.0% | 87.3%-7.3pp | 86.7%-6.7pp | 80.0%0pp |
| Annual return | 21.06% | 48.09%-27.0pp | 44.34%-23.3pp | 220.34%-199.3pp |
| Employer contribution / active EE | $1,500 | $6,591-77.2% | $6,227-75.9% | $4,156-63.9% |
| Participant deferral / active EE | $518 | $9,614-94.6% | $9,135-94.3% | $6,407-91.9% |
| Admin fee / account holder | $1,747 | $17,308-89.9% | $16,298-89.3% | $12,270-85.8% |