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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 | $452,486 | $104,907+331.3% | $84,610+434.8% | $152,870+196.0% |
| Participation rate | 90.9% | 74.8%+16.1pp | 68.2%+22.7pp | 82.4%+8.5pp |
| Annual return | 23.25% | 373.79%-350.5pp | 258.74%-235.5pp | 345.34%-322.1pp |
| Employer contribution / active EE | $47 | $3,301-98.6% | $2,652-98.2% | $4,763-99.0% |
| Participant deferral / active EE | $10,719 | $4,688+128.7% | $3,899+174.9% | $5,850+83.2% |
| Admin fee / account holder | $5,845 | $6,241-6.3% | $4,912+19.0% | $11,597-49.6% |