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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 | $481,102 | $177,353+171.3% | $158,226+204.1% | $198,609+142.2% |
| Participation rate | 100.0% | 77.0%+23.0pp | 74.8%+25.2pp | 82.4%+17.6pp |
| Annual return | 11.04% | 599.50%-588.5pp | 501.41%-490.4pp | 202.70%-191.7pp |
| Employer contribution / active EE | $1,732 | $3,239-46.5% | $2,986-42.0% | $5,055-65.7% |
| Participant deferral / active EE | $959 | $4,615-79.2% | $4,317-77.8% | $6,977-86.3% |
| Admin fee / account holder | $17,424 | $10,960+59.0% | $10,217+70.5% | $19,030-8.4% |