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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 | $279,660 | $111,535+150.7% | $105,223+165.8% | $137,256+103.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 33.32% | 237.85%-204.5pp | 180.65%-147.3pp | 220.34%-187.0pp |
| Employer contribution / active EE | $2,014 | $3,939-48.9% | $3,689-45.4% | $4,156-51.5% |
| Participant deferral / active EE | $707 | $5,500-87.2% | $5,072-86.1% | $6,407-89.0% |
| Admin fee / account holder | $3,158 | $9,721-67.5% | $8,859-64.4% | $12,270-74.3% |