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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 | $384,329 | $124,175+209.5% | $108,405+254.5% | $167,536+129.4% |
| Participation rate | 100.0% | 82.3%+17.7pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 11.33% | 1380.13%-1368.8pp | 905.55%-894.2pp | 478.82%-467.5pp |
| Employer contribution / active EE | $9,588 | $4,188+129.0% | $3,559+169.4% | $4,839+98.1% |
| Participant deferral / active EE | $867 | $6,908-87.4% | $6,563-86.8% | $6,342-86.3% |
| Admin fee / account holder | $43,749 | $9,457+362.6% | $7,297+499.6% | $12,315+255.3% |