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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 | $353,184 | $182,442+93.6% | $163,379+116.2% | $138,895+154.3% |
| Participation rate | 75.0% | 79.8%-4.8pp | 76.8%-1.8pp | 79.9%-4.9pp |
| Annual return | 20.13% | 72.74%-52.6pp | 63.41%-43.3pp | 145.39%-125.3pp |
| Employer contribution / active EE | $0 | $4,159-100.0% | $3,752-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,000 | $6,817-85.3% | $6,282-84.1% | $6,396-84.4% |
| Admin fee / account holder | $536 | $10,396-94.8% | $9,818-94.5% | $12,562-95.7% |