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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 | $166,131+280.7% | $164,975+283.4% | $145,877+333.6% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 14.33% | 100.37%-86.0pp | 70.12%-55.8pp | 551.28%-537.0pp |
| Employer contribution / active EE | $1,532 | $5,276-71.0% | $4,343-64.7% | $4,663-67.1% |
| Participant deferral / active EE | $1,494 | $6,962-78.5% | $6,033-75.2% | $6,691-77.7% |
| Admin fee / account holder | $1,425 | $16,648-91.4% | $12,688-88.8% | $13,402-89.4% |