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Employer 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 | $304,785 | $209,422+45.5% | $178,503+70.7% | $158,982+91.7% |
| Participation rate | 92.3% | 86.4%+6.0pp | 81.9%+10.4pp | 82.0%+10.3pp |
| Annual return | 13.67% | 188.81%-175.1pp | 151.12%-137.4pp | 302.99%-289.3pp |
| Employer contribution / active EE | $661 | $5,707-88.4% | $5,011-86.8% | $4,763-86.1% |
| Participant deferral / active EE | $7,308 | $5,955+22.7% | $5,202+40.5% | $5,983+22.1% |
| Admin fee / account holder | $18,695 | $17,079+9.5% | $13,987+33.7% | $11,252+66.2% |