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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 | $305,245+60.4% | $258,236+89.6% | $428,746+14.2% |
| Participation rate | 100.0% | 85.7%+14.3pp | 81.9%+18.1pp | 88.2%+11.8pp |
| Annual return | 28.76% | -5.74%+34.5pp | -3.31%+32.1pp | 331.92%-303.2pp |
| Employer contribution / active EE | $19,811 | $9,167+116.1% | $7,891+151.1% | $8,363+136.9% |
| Participant deferral / active EE | $0 | $5,791-100.0% | $5,237-100.0% | $5,961-100.0% |
| Admin fee / account holder | $2,481 | $16,482-84.9% | $14,475-82.9% | $31,735-92.2% |