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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 | $253,010 | $134,817+87.7% | $123,973+104.1% | $155,188+63.0% |
| Participation rate | 83.3% | 79.4%+3.9pp | 76.7%+6.7pp | 80.8%+2.5pp |
| Annual return | 15.49% | 515.49%-500.0pp | 388.13%-372.6pp | 148.84%-133.3pp |
| Employer contribution / active EE | $17,314 | $4,425+291.3% | $4,126+319.7% | $4,248+307.6% |
| Participant deferral / active EE | $0 | $5,706-100.0% | $5,247-100.0% | $6,531-100.0% |
| Admin fee / account holder | $16,796 | $13,245+26.8% | $11,799+42.4% | $14,480+16.0% |