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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 | $299,048 | $124,425+140.3% | $112,040+166.9% | $137,256+117.9% |
| Participation rate | 90.9% | 79.3%+11.6pp | 76.5%+14.4pp | 80.0%+10.9pp |
| Annual return | 11.57% | 24.72%-13.2pp | 24.52%-13.0pp | 220.34%-208.8pp |
| Employer contribution / active EE | $6,818 | $3,411+99.9% | $2,954+130.8% | $4,156+64.1% |
| Participant deferral / active EE | $934 | $5,718-83.7% | $5,098-81.7% | $6,407-85.4% |
| Admin fee / account holder | $452 | $15,207-97.0% | $12,098-96.3% | $12,270-96.3% |