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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 | $257,408 | $148,629+73.2% | $135,982+89.3% | $139,487+84.5% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 17.46% | 79.33%-61.9pp | 68.32%-50.9pp | 373.84%-356.4pp |
| Employer contribution / active EE | $2,782 | $5,247-47.0% | $4,859-42.8% | $4,755-41.5% |
| Participant deferral / active EE | $1,854 | $8,102-77.1% | $7,760-76.1% | $6,713-72.4% |
| Admin fee / account holder | $15,916 | $12,406+28.3% | $10,767+47.8% | $11,407+39.5% |