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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 | $136,860+118.5% | $120,344+148.5% | $154,746+93.3% |
| Participation rate | 90.9% | 79.9%+11.0pp | 76.7%+14.2pp | 80.7%+10.2pp |
| Annual return | 11.57% | 21.38%-9.8pp | 20.30%-8.7pp | 172.34%-160.8pp |
| Employer contribution / active EE | $6,818 | $3,533+93.0% | $3,020+125.8% | $4,379+55.7% |
| Participant deferral / active EE | $934 | $5,793-83.9% | $5,135-81.8% | $6,730-86.1% |
| Admin fee / account holder | $452 | $15,393-97.1% | $12,742-96.5% | $14,365-96.9% |