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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 | $162,136+112.0% | $152,301+125.7% | $154,746+122.1% |
| Participation rate | 94.7% | 84.1%+10.6pp | 82.4%+12.3pp | 80.7%+14.0pp |
| Annual return | 14.20% | 91.02%-76.8pp | 80.50%-66.3pp | 172.34%-158.1pp |
| Employer contribution / active EE | $5,533 | $4,890+13.1% | $4,624+19.6% | $4,379+26.3% |
| Participant deferral / active EE | $1,305 | $8,341-84.4% | $8,004-83.7% | $6,730-80.6% |
| Admin fee / account holder | $19,392 | $15,759+23.0% | $14,398+34.7% | $14,365+35.0% |