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Employer 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 | $314,182 | $160,040+96.3% | $147,096+113.6% | $145,877+115.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.78% | 98.49%-87.7pp | 419.75%-409.0pp | 551.28%-540.5pp |
| Employer contribution / active EE | $624 | $5,289-88.2% | $4,936-87.4% | $4,663-86.6% |
| Participant deferral / active EE | $23,737 | $8,429+181.6% | $8,071+194.1% | $6,691+254.8% |
| Admin fee / account holder | $6,774 | $15,050-55.0% | $13,005-47.9% | $13,402-49.5% |