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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 | $784,842 | $183,415+327.9% | $157,143+399.4% | $382,429+105.2% |
| Participation rate | 100.0% | 89.8%+10.2pp | 84.9%+15.1pp | 87.7%+12.3pp |
| Annual return | 9.10% | -8.41%+17.5pp | -5.74%+14.8pp | 248.85%-239.8pp |
| Employer contribution / active EE | $37,500 | $5,105+634.6% | $4,066+822.4% | $8,036+366.7% |
| Participant deferral / active EE | $0 | $4,194-100.0% | $3,906-100.0% | $5,727-100.0% |
| Admin fee / account holder | $23,361 | $18,825+24.1% | $15,459+51.1% | $30,732-24.0% |