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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 | $469,881 | $167,352+180.8% | $143,788+226.8% | $134,509+249.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.81% | 0.47%-16.3pp | -0.03%-15.8pp | 418.13%-433.9pp |
| Employer contribution / active EE | $1,394 | $5,620-75.2% | $4,952-71.9% | $4,741-70.6% |
| Participant deferral / active EE | $1,496 | $6,447-76.8% | $5,638-73.5% | $6,400-76.6% |
| Admin fee / account holder | $26,631 | $18,091+47.2% | $14,675+81.5% | $11,427+133.1% |