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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 | $317,018 | $150,442+110.7% | $136,295+132.6% | $147,585+114.8% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 15.38% | 1049.09%-1033.7pp | 5155.97%-5140.6pp | 578.56%-563.2pp |
| Employer contribution / active EE | $773 | $5,256-85.3% | $4,695-83.5% | $4,876-84.2% |
| Participant deferral / active EE | $13,624 | $6,630+105.5% | $6,247+118.1% | $5,439+150.5% |
| Admin fee / account holder | $3,259 | $10,905-70.1% | $9,243-64.7% | $10,885-70.1% |