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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 | $277,136 | $197,637+40.2% | $177,848+55.8% | $158,982+74.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 50.51% | 58.77%-8.3pp | 48.33%+2.2pp | 302.99%-252.5pp |
| Employer contribution / active EE | $2,672 | $6,698-60.1% | $5,919-54.9% | $4,763-43.9% |
| Participant deferral / active EE | $3,003 | $8,405-64.3% | $7,714-61.1% | $5,983-49.8% |
| Admin fee / account holder | $2,356 | $15,406-84.7% | $12,431-81.0% | $11,252-79.1% |