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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 | $576,922 | $175,231+229.2% | $149,696+285.4% | $139,466+313.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 13.66% | 166.77%-153.1pp | 134.46%-120.8pp | 373.66%-360.0pp |
| Employer contribution / active EE | $1,226 | $5,478-77.6% | $4,821-74.6% | $4,754-74.2% |
| Participant deferral / active EE | $1,326 | $6,521-79.7% | $5,682-76.7% | $6,712-80.2% |
| Admin fee / account holder | $65,513 | $16,155+305.5% | $13,212+395.9% | $11,409+474.2% |