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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 | $385,251 | $105,158+266.4% | $94,672+306.9% | $139,487+176.2% |
| Participation rate | 81.8% | 82.4%-0.6pp | 80.8%+1.0pp | 80.3%+1.5pp |
| Annual return | 16.36% | 38.11%-21.7pp | 156.89%-140.5pp | 373.84%-357.5pp |
| Employer contribution / active EE | $20,093 | $4,107+389.2% | $3,673+447.0% | $4,755+322.6% |
| Participant deferral / active EE | $1,646 | $7,599-78.3% | $7,417-77.8% | $6,713-75.5% |
| Admin fee / account holder | $5,614 | $8,972-37.4% | $7,222-22.3% | $11,407-50.8% |