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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 | $299,758 | $217,432+37.9% | $185,851+61.3% | $167,553+78.9% |
| Participation rate | 80.0% | 86.1%-6.1pp | 81.7%-1.7pp | 82.1%-2.1pp |
| Annual return | 15.89% | 148.43%-132.5pp | 122.11%-106.2pp | 478.89%-463.0pp |
| Employer contribution / active EE | $1,513 | $5,874-74.2% | $5,168-70.7% | $4,840-68.7% |
| Participant deferral / active EE | $1,496 | $6,357-76.5% | $5,569-73.1% | $6,343-76.4% |
| Admin fee / account holder | $3,953 | $19,820-80.1% | $16,245-75.7% | $12,316-67.9% |