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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 | $160,028+326.0% | $147,080+363.5% | $145,884+367.3% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 40.29% | 98.60%-58.3pp | 420.17%-379.9pp | 551.85%-511.6pp |
| Employer contribution / active EE | $4,820 | $5,286-8.8% | $4,933-2.3% | $4,662+3.4% |
| Participant deferral / active EE | $2,228 | $8,422-73.5% | $8,066-72.4% | $6,690-66.7% |
| Admin fee / account holder | $20,030 | $15,030+33.3% | $12,989+54.2% | $13,392+49.6% |