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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 | $377,207 | $157,304+139.8% | $141,197+167.1% | $152,909+146.7% |
| Participation rate | 70.0% | 84.8%-14.8pp | 82.5%-12.5pp | 82.5%-12.5pp |
| Annual return | 16.25% | 64.34%-48.1pp | 71.41%-55.2pp | 345.46%-329.2pp |
| Employer contribution / active EE | $0 | $5,263-100.0% | $4,736-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $7,353 | $7,111+3.4% | $6,710+9.6% | $5,851+25.7% |
| Admin fee / account holder | $5,361 | $12,126-55.8% | $10,265-47.8% | $11,601-53.8% |