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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 | $343,714 | $155,555+121.0% | $146,866+134.0% | $155,188+121.5% |
| Participation rate | 94.7% | 84.0%+10.8pp | 82.5%+12.2pp | 80.8%+13.9pp |
| Annual return | 14.20% | 115.41%-101.2pp | 102.85%-88.7pp | 148.84%-134.6pp |
| Employer contribution / active EE | $5,533 | $4,647+19.1% | $4,425+25.0% | $4,248+30.3% |
| Participant deferral / active EE | $1,305 | $8,044-83.8% | $7,759-83.2% | $6,531-80.0% |
| Admin fee / account holder | $19,392 | $14,755+31.4% | $13,620+42.4% | $14,480+33.9% |