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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 | $477,065 | $107,363+344.3% | $92,909+413.5% | $152,897+212.0% |
| Participation rate | 85.7% | 79.8%+5.9pp | 76.0%+9.7pp | 82.5%+3.3pp |
| Annual return | 24.68% | 145.63%-120.9pp | 109.44%-84.8pp | 345.43%-320.7pp |
| Employer contribution / active EE | $21,429 | $4,222+407.5% | $3,653+486.5% | $4,764+349.8% |
| Participant deferral / active EE | $767 | $4,848-84.2% | $4,238-81.9% | $5,851-86.9% |
| Admin fee / account holder | $2,115 | $7,082-70.1% | $5,795-63.5% | $11,599-81.8% |