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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 | $281,407 | $196,972+42.9% | $182,262+54.4% | $198,609+41.7% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 18.01% | 158.27%-140.3pp | 140.60%-122.6pp | 202.70%-184.7pp |
| Employer contribution / active EE | $5,324 | $5,364-0.7% | $5,046+5.5% | $5,055+5.3% |
| Participant deferral / active EE | $3,438 | $8,643-60.2% | $8,276-58.5% | $6,977-50.7% |
| Admin fee / account holder | $1,529 | $18,429-91.7% | $16,712-90.9% | $19,030-92.0% |