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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 | $679,689 | $154,228+340.7% | $145,433+367.4% | $137,256+395.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 20.13% | 74.59%-54.5pp | 66.58%-46.4pp | 220.34%-200.2pp |
| Employer contribution / active EE | $2,200 | $4,804-54.2% | $4,554-51.7% | $4,156-47.1% |
| Participant deferral / active EE | $2,220 | $8,216-73.0% | $7,897-71.9% | $6,407-65.3% |
| Admin fee / account holder | $7,212 | $14,344-49.7% | $13,129-45.1% | $12,270-41.2% |