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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $786,065 | $103,393+660.3% | $87,103+802.5% | $152,909+414.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 14.37% | 28.10%-13.7pp | 28.19%-13.8pp | 345.46%-331.1pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $25,000 | $4,778+423.2% | $4,049+517.5% | $5,851+327.3% |
| Admin fee / account holder | $6,202 | $12,195-49.1% | $7,491-17.2% | $11,601-46.5% |