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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 | $632,485 | $166,268+280.4% | $165,100+283.1% | $145,897+333.5% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 14.33% | 100.52%-86.2pp | 70.21%-55.9pp | 552.29%-538.0pp |
| Employer contribution / active EE | $1,532 | $5,284-71.0% | $4,348-64.8% | $4,663-67.1% |
| Participant deferral / active EE | $1,494 | $6,964-78.6% | $6,035-75.3% | $6,689-77.7% |
| Admin fee / account holder | $1,425 | $16,659-91.4% | $12,696-88.8% | $13,390-89.4% |