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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 | $271,711 | $183,978+47.7% | $162,171+67.5% | $152,885+77.7% |
| Participation rate | 92.3% | 88.5%+3.8pp | 87.6%+4.8pp | 82.5%+9.9pp |
| Annual return | 20.84% | 150.78%-129.9pp | 115.60%-94.8pp | 345.39%-324.6pp |
| Employer contribution / active EE | $0 | $6,370-100.0% | $5,613-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $15,969 | $8,033+98.8% | $7,297+118.8% | $5,851+172.9% |
| Admin fee / account holder | $2,242 | $13,122-82.9% | $10,843-79.3% | $11,598-80.7% |