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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 | $715,072 | $160,040+346.8% | $147,096+386.1% | $145,877+390.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.71% | 98.49%-82.8pp | 419.75%-404.0pp | 551.28%-535.6pp |
| Employer contribution / active EE | $12,235 | $5,289+131.3% | $4,936+147.9% | $4,663+162.4% |
| Participant deferral / active EE | $2,455 | $8,429-70.9% | $8,071-69.6% | $6,691-63.3% |
| Admin fee / account holder | $39,413 | $15,050+161.9% | $13,005+203.1% | $13,402+194.1% |