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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 | $220,827+255.4% | $183,454+327.8% | $461,066+70.2% |
| Participation rate | 100.0% | 94.1%+5.9pp | 87.7%+12.3pp | 87.7%+12.3pp |
| Annual return | 9.10% | -9.78%+18.9pp | -7.27%+16.4pp | 484.84%-475.7pp |
| Employer contribution / active EE | $37,500 | $8,265+353.7% | $5,911+534.5% | $9,163+309.3% |
| Participant deferral / active EE | $0 | $5,208-100.0% | $4,746-100.0% | $6,032-100.0% |
| Admin fee / account holder | $23,361 | $33,368-30.0% | $26,209-10.9% | $28,147-17.0% |