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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 | $400,616 | $108,942+267.7% | $100,415+299.0% | $145,897+174.6% |
| Participation rate | 84.6% | 83.0%+1.6pp | 81.5%+3.1pp | 80.3%+4.3pp |
| Annual return | 12.19% | 58.27%-46.1pp | 49.47%-37.3pp | 552.29%-540.1pp |
| Employer contribution / active EE | $17,796 | $4,422+302.5% | $3,943+351.3% | $4,663+281.7% |
| Participant deferral / active EE | $1,425 | $8,461-83.2% | $8,091-82.4% | $6,689-78.7% |
| Admin fee / account holder | $3,619 | $9,702-62.7% | $7,906-54.2% | $13,390-73.0% |