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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 | $498,906 | $115,810+330.8% | $101,271+392.6% | $158,966+213.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 13.91% | 56.15%-42.2pp | 46.48%-32.6pp | 302.95%-289.0pp |
| Employer contribution / active EE | $13,143 | $4,175+214.8% | $3,660+259.1% | $4,762+176.0% |
| Participant deferral / active EE | $1,229 | $4,958-75.2% | $4,371-71.9% | $5,983-79.5% |
| Admin fee / account holder | $2,347 | $7,248-67.6% | $5,948-60.5% | $11,250-79.1% |