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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 | $489,712 | $288,797+69.6% | $239,577+104.4% | $382,429+28.1% |
| Participation rate | 100.0% | 85.8%+14.2pp | 82.1%+17.9pp | 87.7%+12.3pp |
| Annual return | 28.76% | -3.30%+32.1pp | -0.70%+29.5pp | 248.85%-220.1pp |
| Employer contribution / active EE | $19,811 | $8,558+131.5% | $7,232+173.9% | $8,036+146.5% |
| Participant deferral / active EE | $0 | $6,420-100.0% | $5,676-100.0% | $5,727-100.0% |
| Admin fee / account holder | $2,481 | $18,649-86.7% | $19,315-87.2% | $30,732-91.9% |