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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 | $467,768 | $180,749+158.8% | $160,784+190.9% | $137,256+240.8% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 11.46% | 2234.46%-2223.0pp | 1803.92%-1792.5pp | 220.34%-208.9pp |
| Employer contribution / active EE | $150 | $4,155-96.4% | $3,733-96.0% | $4,156-96.4% |
| Participant deferral / active EE | $8,724 | $6,844+27.5% | $6,293+38.6% | $6,407+36.2% |
| Admin fee / account holder | $28,719 | $10,397+176.2% | $9,717+195.6% | $12,270+134.1% |