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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 | $681,693 | $160,070+325.9% | $147,117+363.4% | $145,897+367.2% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 40.29% | 98.69%-58.4pp | 420.54%-380.3pp | 552.29%-512.0pp |
| Employer contribution / active EE | $4,820 | $5,285-8.8% | $4,932-2.3% | $4,663+3.4% |
| Participant deferral / active EE | $2,228 | $8,419-73.5% | $8,065-72.4% | $6,689-66.7% |
| Admin fee / account holder | $20,030 | $15,035+33.2% | $12,993+54.2% | $13,390+49.6% |