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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 | $454,462 | $190,916+138.0% | $160,037+184.0% | $134,545+237.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -11.94% | 552.79%-564.7pp | 408.95%-420.9pp | 418.37%-430.3pp |
| Employer contribution / active EE | $34,505 | $4,996+590.7% | $4,226+716.6% | $4,742+627.7% |
| Participant deferral / active EE | $0 | $6,925-100.0% | $6,184-100.0% | $6,401-100.0% |
| Admin fee / account holder | $2,713 | $10,497-74.1% | $8,716-68.9% | $11,431-76.3% |