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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 | $501,824 | $185,312+170.8% | $161,489+210.7% | $154,746+224.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 13.44% | 103.84%-90.4pp | 89.72%-76.3pp | 172.34%-158.9pp |
| Employer contribution / active EE | $2,256 | $4,769-52.7% | $4,268-47.2% | $4,379-48.5% |
| Participant deferral / active EE | $1,824 | $6,350-71.3% | $5,630-67.6% | $6,730-72.9% |
| Admin fee / account holder | $3,761 | $18,654-79.8% | $16,006-76.5% | $14,365-73.8% |