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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 | $375,869 | $165,399+127.2% | $149,745+151.0% | $158,982+136.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 8.86% | 348.34%-339.5pp | 276.72%-267.9pp | 302.99%-294.1pp |
| Employer contribution / active EE | $0 | $5,105-100.0% | $4,646-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,067 | $7,183-85.1% | $6,843-84.4% | $5,983-82.2% |
| Admin fee / account holder | $2,520 | $10,811-76.7% | $9,312-72.9% | $11,252-77.6% |