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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 | $478,473 | $180,459+165.1% | $154,108+210.5% | $135,380+253.4% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -8.56% | 888.21%-896.8pp | 735.21%-743.8pp | 519.81%-528.4pp |
| Employer contribution / active EE | $1,133 | $6,035-81.2% | $5,298-78.6% | $4,779-76.3% |
| Participant deferral / active EE | $5,939 | $5,806+2.3% | $5,081+16.9% | $5,609+5.9% |
| Admin fee / account holder | $14,867 | $16,145-7.9% | $13,411+10.9% | $10,828+37.3% |