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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 | $479,383 | $183,539+161.2% | $155,556+208.2% | $145,897+228.6% |
| Participation rate | 88.9% | 82.7%+6.2pp | 78.2%+10.7pp | 80.3%+8.6pp |
| Annual return | 13.90% | 61.31%-47.4pp | 64.84%-50.9pp | 552.29%-538.4pp |
| Employer contribution / active EE | $15,185 | $5,315+185.7% | $4,675+224.8% | $4,663+225.7% |
| Participant deferral / active EE | $125 | $6,467-98.1% | $5,631-97.8% | $6,689-98.1% |
| Admin fee / account holder | $13,061 | $19,275-32.2% | $15,885-17.8% | $13,390-2.5% |