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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 | $549,920 | $154,209+256.6% | $130,062+322.8% | $139,487+294.2% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.5%+1.5pp | 80.3%-0.3pp |
| Annual return | 14.89% | 32.52%-17.6pp | -137.37%+152.3pp | 373.84%-359.0pp |
| Employer contribution / active EE | $1,504 | $5,292-71.6% | $4,322-65.2% | $4,755-68.4% |
| Participant deferral / active EE | $1,884 | $6,709-71.9% | $5,821-67.6% | $6,713-71.9% |
| Admin fee / account holder | $1,230 | $13,988-91.2% | $10,601-88.4% | $11,407-89.2% |