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Employer 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 | $481,171 | $176,105+173.2% | $159,474+201.7% | $167,536+187.2% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 50.77% | 331.91%-281.1pp | 263.68%-212.9pp | 478.82%-428.0pp |
| Employer contribution / active EE | $0 | $5,299-100.0% | $4,831-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $21,833 | $7,751+181.7% | $7,353+196.9% | $6,342+244.3% |
| Admin fee / account holder | $3,583 | $12,559-71.5% | $10,802-66.8% | $12,315-70.9% |