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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 | $297,162 | $165,399+79.7% | $149,745+98.4% | $158,982+86.9% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 17.73% | 348.34%-330.6pp | 276.72%-259.0pp | 302.99%-285.3pp |
| Employer contribution / active EE | $2,946 | $5,105-42.3% | $4,646-36.6% | $4,763-38.2% |
| Participant deferral / active EE | $1,740 | $7,183-75.8% | $6,843-74.6% | $5,983-70.9% |
| Admin fee / account holder | $1,633 | $10,811-84.9% | $9,312-82.5% | $11,252-85.5% |