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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 | $786,171 | $185,905+322.9% | $170,057+362.3% | $139,487+463.6% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 28.46% | 60.56%-32.1pp | 53.42%-25.0pp | 373.84%-345.4pp |
| Employer contribution / active EE | $25,625 | $7,597+237.3% | $6,790+277.4% | $4,755+438.9% |
| Participant deferral / active EE | $1,200 | $11,627-89.7% | $10,411-88.5% | $6,713-82.1% |
| Admin fee / account holder | $47,500 | $15,397+208.5% | $12,826+270.3% | $11,407+316.4% |