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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 | $270,221 | $157,304+71.8% | $141,197+91.4% | $152,909+76.7% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 29.09% | 64.34%-35.3pp | 71.41%-42.3pp | 345.46%-316.4pp |
| Employer contribution / active EE | $371 | $5,263-93.0% | $4,736-92.2% | $4,764-92.2% |
| Participant deferral / active EE | $3,710 | $7,111-47.8% | $6,710-44.7% | $5,851-36.6% |
| Admin fee / account holder | $2,946 | $12,126-75.7% | $10,265-71.3% | $11,601-74.6% |