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 | $841,823 | $180,461+366.5% | $154,110+446.2% | $135,381+521.8% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -3.87% | 888.23%-892.1pp | 735.22%-739.1pp | 519.81%-523.7pp |
| Employer contribution / active EE | $3,150 | $6,035-47.8% | $5,298-40.5% | $4,779-34.1% |
| Participant deferral / active EE | $0 | $5,806-100.0% | $5,081-100.0% | $5,609-100.0% |
| Admin fee / account holder | $4,197 | $16,146-74.0% | $13,412-68.7% | $10,828-61.2% |