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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 | $254,897 | $201,259+26.7% | $184,200+38.4% | $145,959+74.6% |
| Participation rate | 87.5% | 87.5%0pp | 86.8%+0.7pp | 80.3%+7.2pp |
| Annual return | 9.74% | 28.98%-19.2pp | 28.80%-19.1pp | 561.95%-552.2pp |
| Employer contribution / active EE | $1,902 | $7,018-72.9% | $6,424-70.4% | $4,661-59.2% |
| Participant deferral / active EE | $1,422 | $9,806-85.5% | $9,132-84.4% | $6,689-78.7% |
| Admin fee / account holder | $32,146 | $16,372+96.3% | $13,907+131.1% | $13,398+139.9% |