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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 | $263,236 | $176,120+49.5% | $159,487+65.1% | $167,553+57.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 17.17% | 331.95%-314.8pp | 263.71%-246.5pp | 478.89%-461.7pp |
| Employer contribution / active EE | $2,477 | $5,299-53.3% | $4,831-48.7% | $4,840-48.8% |
| Participant deferral / active EE | $2,166 | $7,752-72.1% | $7,354-70.5% | $6,343-65.8% |
| Admin fee / account holder | $24,822 | $12,561+97.6% | $10,804+129.8% | $12,316+101.5% |