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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 | $257,033 | $157,296+63.4% | $141,191+82.0% | $152,897+68.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.26% | 64.34%-40.1pp | 71.41%-47.2pp | 345.43%-321.2pp |
| Employer contribution / active EE | $6,569 | $5,262+24.8% | $4,736+38.7% | $4,764+37.9% |
| Participant deferral / active EE | $2,258 | $7,111-68.2% | $6,710-66.4% | $5,851-61.4% |
| Admin fee / account holder | $697 | $12,125-94.2% | $10,264-93.2% | $11,599-94.0% |