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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 | $472,093 | $289,211+63.2% | $260,467+81.2% | $198,609+137.7% |
| Participation rate | 100.0% | 83.1%+16.9pp | 80.5%+19.5pp | 82.4%+17.6pp |
| Annual return | 11.22% | 112.90%-101.7pp | 100.60%-89.4pp | 202.70%-191.5pp |
| Employer contribution / active EE | $3,398 | $4,663-27.1% | $4,239-19.8% | $5,055-32.8% |
| Participant deferral / active EE | $1,200 | $6,812-82.4% | $6,319-81.0% | $6,977-82.8% |
| Admin fee / account holder | $2,641 | $16,236-83.7% | $15,461-82.9% | $19,030-86.1% |