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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 | $362,937 | $165,399+119.4% | $149,745+142.4% | $158,982+128.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.29% | 348.34%-338.0pp | 276.72%-266.4pp | 302.99%-292.7pp |
| Employer contribution / active EE | $2,527 | $5,105-50.5% | $4,646-45.6% | $4,763-46.9% |
| Participant deferral / active EE | $1,819 | $7,183-74.7% | $6,843-73.4% | $5,983-69.6% |
| Admin fee / account holder | $16,579 | $10,811+53.3% | $9,312+78.0% | $11,252+47.3% |