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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 | $254,818 | $165,361+54.1% | $149,715+70.2% | $158,950+60.3% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 11.81% | 348.24%-336.4pp | 276.66%-264.9pp | 302.91%-291.1pp |
| Employer contribution / active EE | $1,558 | $5,103-69.5% | $4,645-66.5% | $4,762-67.3% |
| Participant deferral / active EE | $2,191 | $7,182-69.5% | $6,842-68.0% | $5,983-63.4% |
| Admin fee / account holder | $3,004 | $10,808-72.2% | $9,310-67.7% | $11,248-73.3% |