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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 | $501,659 | $160,070+213.4% | $147,117+241.0% | $145,897+243.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 19.32% | 98.69%-79.4pp | 420.54%-401.2pp | 552.29%-533.0pp |
| Employer contribution / active EE | $315 | $5,285-94.0% | $4,932-93.6% | $4,663-93.2% |
| Participant deferral / active EE | $6,304 | $8,419-25.1% | $8,065-21.8% | $6,689-5.8% |
| Admin fee / account holder | $32,280 | $15,035+114.7% | $12,993+148.4% | $13,390+141.1% |