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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 | $129,737+115.6% | $119,126+134.8% | $154,746+80.7% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 33.32% | 379.08%-345.8pp | 282.11%-248.8pp | 172.34%-139.0pp |
| Employer contribution / active EE | $2,014 | $4,375-54.0% | $4,034-50.1% | $4,379-54.0% |
| Participant deferral / active EE | $707 | $5,842-87.9% | $5,318-86.7% | $6,730-89.5% |
| Admin fee / account holder | $3,158 | $11,961-73.6% | $10,693-70.5% | $14,365-78.0% |