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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 | $379,023 | $198,457+91.0% | $170,435+122.4% | $147,586+156.8% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 18.16% | 257.30%-239.1pp | 205.94%-187.8pp | 578.59%-560.4pp |
| Employer contribution / active EE | $1,171 | $6,183-81.1% | $5,432-78.4% | $4,876-76.0% |
| Participant deferral / active EE | $12,516 | $5,629+122.3% | $4,939+153.4% | $5,439+130.1% |
| Admin fee / account holder | $1,153 | $16,852-93.2% | $13,881-91.7% | $10,886-89.4% |